California CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in California, view interactive rate trend charts, and compare CA APYs against the national average.
Current California CD Rate Trends
CD APYs in California rose by +0.031 this week, pushing the current 12-Month CD average APY to 3.143%. Savers depositing in CA are now earning more than they would have last week, when the average stood at 3.112%.
At 3.143%, California's 12-Month CD APY sits +0.154 above the current national average of 2.988%. This above-average spread may reflect more competitive deposit offerings from local banks and credit unions in CA.
The 6-Month CD APY in California currently averages 2.941%, compared to 2.943% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The California certificate of deposit rate averages displayed on this page are calculated from 4,014 verified CD rate quotes collected across 240 banks and credit unions actively operating in California. Our proprietary systems collect and verify deposit rates daily, tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across California. This scale allows us to calculate averages that reflect the full deposit landscape, not just the most aggressive advertisers, giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in CA.
Data reflects average APYs offered by licensed institutions operating in CA. Last Updated: October 13, 2026
California CD Rate Trends
Daily average APYs across all CD terms. Hover over the chart to see exact APYs for each day.
California CD rate averages compiled from 4,014 current CD rates across 240 banks and credit unions operating in CA, updated daily.
As of Oct 13, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering California financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical CA cd rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report, and optionally link to https://www.monitorbankrates.com/certificate-of-deposit-cd-rates/california/trends. For custom data pulls, contact us here.
