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CD Rate Trends

Tustin, California Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 28, 2026

Tustin, California CD rates range from 0.02% to 5.90% APY, verified by MonitorBankRates as of October 28, 2026. Current Tustin, California CD rates include SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union15442 Newport Ave, Tustin, CA 92780A+5.0 ★Texas Ratio: 5.56%Real return: +0.80%APY minus CPIRate verified Oct 23, 2026 offering 60 Month Deferred Compensation Certificate at 4.50% APY, CitiCiti18232 Irvine Blvd, Tustin, CA 92780A+5.0 ★Texas Ratio: 2.82%Real return: +0.55%APY minus CPIRate verified Oct 26, 2026 offering 1 Year Fixed Rate CD at 4.25% APY, CIT BankCIT Bank17245 17th St Ste B, Tustin, CA 92780A5.0 ★Texas Ratio: 7.72%Real return: +0.30%APY minus CPIRate verified Oct 26, 2026 offering 1-Year Term CD at 4.00% APY, Kinecta Federal Credit UnionKinecta Federal Credit Union2324 Park Ave, Tustin, CA 92782A+5.0 ★Texas Ratio: 3.82%Real return: +0.00%APY minus CPIRate verified Oct 23, 2026 offering 5 Year Regular & Jumbo Certificates (Personal) - Jumbo at 3.70% APY, and F&M Bank of Long BeachF&M Bank of Long Beach2691 Park Ave, Tustin, CA 92782A+5.0 ★Texas Ratio: 0.06%Real return: -0.92%APY minus CPIRate verified Oct 26, 2026 offering Certificate of Deposit - 18 months at 2.78% APY. CD rates as of October 28, 2026 according to verified data from MonitorBankRates.

Tustin has 217 local institutions in our database, with CD rates as high as 4.50% APY from SchoolsFirst Federal Credit Union at 15442 Newport Ave, Tustin, CA 92780. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 28, 2026

Compare Best CD Rates in Tustin, California & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Tustin 3 Month CD Rates

California 3 Month CD Average2.43% APYNational 2.12%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Month Jumbo Certificate
$100,000
2.75% ▲ 0.32% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.32% above avgNationally 2.12%
Details

APY range: 2.75% - 3.70%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted

Rate History
1 change since Sep 25, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Sep 25, 2026: 2.60% APYOct 23, 2026: 2.75% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20262.75%▲ from 2.60%
  • Sep 25, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
2.75% ▲ 0.32% above California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.32% above avgNationally 2.12%
Details

Balance: $100,000 and above; Jumbo

Rate History
1 change since Oct 15, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Oct 15, 2026: 2.60% APYOct 23, 2026: 2.75% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20262.75%▲ from 2.60%
  • Oct 15, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Month Regular & Jumbo Certificates (Personal) - Regular
$0
2.65% ▲ 0.22% above California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.22% above avgNationally 2.12%
Details

Balance: Under $100,000; Regular

Rate History
1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Oct 15, 2026: 2.50% APYOct 23, 2026: 2.65% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Oct 15, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Month Regular Certificate
$100
2.65% ▲ 0.22% above California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.22% above avgNationally 2.12%
Details

APY range: 2.65% - 3.55%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted; Deposits under $100,000

Rate History
1 change since Sep 25, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Sep 25, 2026: 2.50% APYOct 23, 2026: 2.65% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Sep 25, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Month Regular Certificate (Personal)
$0
2.65% ▲ 0.22% above California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.22% above avgNationally 2.12%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Oct 15, 2026: 2.50% APYOct 23, 2026: 2.65% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Oct 15, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 3 month
$0
2.50% ▲ 0.07% above California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.07% above avgNationally 2.12%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 15, 2026: 2.50% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 3 month
$0
2.40% ▼ 0.03% below California avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▼ 0.03% below avgNationally 2.12%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 15, 2026: 2.40% APYOct 15, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 3 months
$1,000
0.50% ▼ 1.93% below California avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 1.93% below avgNationally 2.12%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 20, 2026: 0.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 3 months
$1,000
0.25% ▼ 2.18% below California avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.18% below avgNationally 2.12%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 20, 2026: 0.25% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 3 months
$1,000
0.10% ▼ 2.33% below California avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.33% below avgNationally 2.12%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
18356 Irvine Blvd, Tustin, CA 92780
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.37% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.37% below avgNationally 2.12%
Details

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
3 Month Fixed Rate CD
$0
0.05% ▼ 2.38% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 26, 2026: 0.05% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
Fixed Rate CD - 3-Month
$0
0.05% ▼ 2.38% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 26, 2026: 0.05% APYOct 26, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
18356 Irvine Blvd, Tustin, CA 92780
3 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.38% below California avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.38% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
3 Month Standard CD
$1,000
0.05% ▼ 2.38% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 3 months
$1,000
0.03% ▼ 2.40% below California avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.40% below avgNationally 2.12%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58% ▲ 2.15% above California avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
California Average2.43%▲ 2.15% above avgNationally 2.12%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 27, 2026: 4.32% APYOct 3, 2026: 4.58% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20264.58%▲ from 4.32%
  • Sep 27, 20264.32%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 3-Month CD
$0
4.25% ▲ 1.82% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details

Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$0
4.25% ▲ 1.82% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details

APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 25, 2026: 3.50% APYOct 23, 2026: 4.25% APYSep 25, 2026Oct 28, 2026
  • Oct 23, 20264.25%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
4.25% ▲ 1.82% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details

Term: 3 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10% ▲ 1.67% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.43%▲ 1.67% above avgNationally 2.12%
Details

Rate History
No change since Oct 28, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 28, 2026: 4.10% APYOct 28, 2026Oct 28, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.57% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details

No minimum deposit

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 28, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.57% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details

Promotional yield; APY calculated on 3.93% base rate; membership eligibility required; no additional deposits; IRA share certificates do not qualify

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 28, 2026
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Month Business CD - Promotional Offer
$1,000
4.00% ▲ 1.57% above California avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details

Balance: $99,999 or less; Offer good for initial term only, CD automatically renews for the same term

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 28, 2026
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Month Personal CD - Promotional Offer
$1,000
4.00% ▲ 1.57% above California avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details

Balance: $99,999 or less; Offer good for the initial term only; CD automatically renews for the same term

Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 22, 2026: 3.50% APYOct 26, 2026: 4.00% APYOct 22, 2026Oct 28, 2026
  • Oct 26, 20264.00%▲ from 3.50%
  • Oct 22, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00% ▲ 1.57% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 28, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Jumbo Certificate of Deposit - 3 Months
$0
3.98% ▲ 1.55% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.55% above avgNationally 2.12%
Details

Balance: $10,000.00 and over

Rate History
No change since Oct 21, 2026 · 3.98% APY · checked 2 times
3.48%3.98%4.48%Oct 21, 2026: 3.98% APYOct 21, 2026Oct 28, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Mini Money Maker Certificates of Deposit - 3 Months
$0
3.98% ▲ 1.55% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.55% above avgNationally 2.12%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Oct 21, 2026 · 3.98% APY · checked 2 times
3.48%3.98%4.48%Oct 21, 2026: 3.98% APYOct 21, 2026Oct 28, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96% ▲ 1.53% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.53% above avgNationally 2.12%
Details

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
3.20%3.83%4.46%Oct 7, 2026: 3.70% APYOct 26, 2026: 3.96% APYOct 7, 2026Oct 28, 2026
  • Oct 26, 20263.96%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90% ▲ 1.47% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.47% above avgNationally 2.12%
Details

Dividend rate from comparison table

Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 28, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85% ▲ 1.42% above California avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.42% above avgNationally 2.12%
Details

Balance: under $100k; Limited time special offer; Requires $500 new money (existing customers: $0.75 of every $1.00 new money); Not available for individual retirement or business accounts; Early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 28, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.37% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 10 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 28, 2026
Industrial and Commercial Bank of China USA
Institution Rating:
B-4.3 ★Texas Ratio: 23.84%
Special Personal CD Promotion - 3-month
$0
3.80% ▲ 1.37% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details

Special Personal CD Promotion; Deposit Amount: $2,500 Minimum balance; APY effective as of 9/24/2026; ICBC (USA) personal demand deposit customers only; Early withdrawal penalties may apply

Rate History
No change since Oct 28, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 28, 2026: 3.80% APYOct 28, 2026Oct 28, 2026
Beach Cities Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Months
$2,500
3.80% ▲ 1.37% above California avg
View
▼
Rate3.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details

Balance tier: $250,000

Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 22, 2026: 3.80% APYOct 22, 2026Oct 28, 2026
State Bank of India US
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Special CD - 3 Months
$1,000
3.75% ▲ 1.32% above California avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details

Limited-time special CD rate for short-term savings

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 28, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.75% ▲ 1.32% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details

Digital | Consumer CD

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 26, 2026: 3.75% APYSep 8, 2026Oct 28, 2026
  • Oct 26, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Digital 3 Month CD
$1,000
3.75% ▲ 1.32% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details

Digital Products

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
3.75% ▲ 1.32% above California avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details

Minimum deposit $500 (Min. Certs.)

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 25, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
3 Month Certificate - Rewards+ Loyalty Program
$500
3.75% ▲ 1.32% above California avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
Share Certificate - 3 month
$1,000
3.70% ▲ 1.27% above California avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.27% above avgNationally 2.12%
Details

Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household

Rate History
No change since Oct 19, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 19, 2026: 3.70% APYOct 19, 2026Oct 28, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Jumbo Share Certificate - 3 month
$0
3.70% ▲ 1.27% above California avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.27% above avgNationally 2.12%
Details

Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.63%; Anticipated APY 3.70%

Rate History
No change since Oct 26, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 26, 2026: 3.70% APYOct 26, 2026Oct 28, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month CD
$0
3.65% ▲ 1.22% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details

Compounded Daily; Minimum balance of $1,500 is required to earn the posted APY

Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 28, 2026
Beach Cities Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Months
$2,500
3.65% ▲ 1.22% above California avg
View
▼
Rate3.59%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details

Balance tier: $100,000

Rate History
No change since Oct 22, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 22, 2026: 3.65% APYOct 22, 2026Oct 28, 2026
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
90 Day Certificate Account
$0
3.65% ▲ 1.22% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details

Balance: $10,000 and over; $100,000 per member maximum

Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 15, 2026: 3.65% APYOct 15, 2026Oct 28, 2026
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate Account - 90 Days
$0
3.65% ▲ 1.22% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details

Balance: $10,000 and over; $100,000 per member maximum

Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 15, 2026: 3.65% APYOct 15, 2026Oct 28, 2026
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate Account and IRA Account - 90 Days
$0
3.65% ▲ 1.22% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details

Balance: $10,000.00 and over; $100,000 per member maximum

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.65% ▲ 0.24 pts · high 3.65% / low 3.41%
2.91%3.53%4.15%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.65% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20263.65%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Liquid Certificate
$95,000
3.65% ▲ 1.22% above California avg
View
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details

Effective Date: 09/01/2026; APY requires minimum $95,000 of New-to-Tech CU money; one penalty-free withdrawal per calendar month

Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 28, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Liquid Certificate - 3 Month
$1,000
3.65% ▲ 1.22% above California avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details

Effective Date 09/01/2026; Minimum opening balance of $1,000 in new-to-Tech CU money; APY available with minimum $1,000 new-to-Tech CU money; Unlimited withdrawals without penalty six days after opening, minimum $1,000 must be maintained

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 28, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Share Certificates - Gold
$0
3.65% ▲ 1.22% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details

Anticipated rates; Effective as of: 10-19-2026 (PST)

Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 28, 2026

Tustin 6 Month CD Rates

California 6 Month CD Average2.97% APYNational 2.79%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
6-Month Promotional IRA Share Certificate
$0
4.20% ▲ 1.23% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.23% above avgNationally 2.79%
Details

Promotional rate good for initial term only

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 28, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
6-Month Add-On Promotional Share Certificate
$0
4.10% ▲ 1.13% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.13% above avgNationally 2.79%
Details

Additional deposits up to the initial opening deposit amount can be made at any time without penalty.; Promotional rate good for initial term only.

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 28, 2026
  • Oct 5, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
6-Month Term CD
$1,000
3.75% ▲ 0.78% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.78% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
Term CD - 6-Month
$1,000
3.75% ▲ 0.78% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.78% above avgNationally 2.79%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
6 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.00% ▲ 0.03% above California avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 0.03% above avgNationally 2.79%
Details

Balance: $100,000 and above; Jumbo

Rate History
1 change since Oct 15, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90%
2.40%2.95%3.50%Oct 15, 2026: 2.90% APYOct 23, 2026: 3.00% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20263.00%▲ from 2.90%
  • Oct 15, 20262.90%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
6 Month Regular & Jumbo Certificates (Personal) - Regular
$0
2.85% ▼ 0.12% below California avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 0.12% below avgNationally 2.79%
Details

Balance: Under $100,000; Regular

Rate History
1 change since Oct 15, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Oct 15, 2026: 2.75% APYOct 23, 2026: 2.85% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20262.85%▲ from 2.75%
  • Oct 15, 20262.75%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
6 Month Regular Certificate (Personal)
$0
2.85% ▼ 0.12% below California avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 0.12% below avgNationally 2.79%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
1 change since Oct 15, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Oct 15, 2026: 2.75% APYOct 23, 2026: 2.85% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20262.85%▲ from 2.75%
  • Oct 15, 20262.75%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 6 month
$0
2.75% ▼ 0.22% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 0.22% below avgNationally 2.79%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 6 month
$0
2.65% ▼ 0.32% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 0.32% below avgNationally 2.79%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
6 Month Fixed Rate CD
$0
2.00% ▼ 0.97% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.97% below avgNationally 2.79%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
Fixed Rate CD - 6-Month
$0
2.00% ▼ 0.97% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.97% below avgNationally 2.79%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 6 months
$1,000
0.65% ▼ 2.32% below California avg
View
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.32% below avgNationally 2.79%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 20, 2026: 0.65% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 6 months
$500
0.65% ▼ 2.32% below California avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.32% below avgNationally 2.79%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 20, 2026: 0.65% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 6 months
$1,000
0.50% ▼ 2.47% below California avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.47% below avgNationally 2.79%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 20, 2026: 0.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 6 months
$500
0.50% ▼ 2.47% below California avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.47% below avgNationally 2.79%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 20, 2026: 0.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 6 months
$1,000
0.45% ▼ 2.52% below California avg
View
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.52% below avgNationally 2.79%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 20, 2026: 0.45% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 6 months
$500
0.45% ▼ 2.52% below California avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.52% below avgNationally 2.79%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 20, 2026: 0.45% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 6 months
$1,000
0.35% ▼ 2.62% below California avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.62% below avgNationally 2.79%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 20, 2026: 0.35% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 6 months
$500
0.10% ▼ 2.87% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.87% below avgNationally 2.79%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
18356 Irvine Blvd, Tustin, CA 92780
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.91% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.91% below avgNationally 2.79%
Details

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
18356 Irvine Blvd, Tustin, CA 92780
6 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.92% below California avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.92% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
6 Month Standard CD
$1,000
0.05% ▼ 2.92% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 6 months
$1,000
0.03% ▼ 2.94% below California avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.94% below avgNationally 2.79%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 6 months
$500
0.03% ▼ 2.94% below California avg
View
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.94% below avgNationally 2.79%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 28, 2026
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.40% ▲ 1.43% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.43% above avgNationally 2.79%
Details

Minimum to open $500.00; maximum opening deposit $500,000.00; early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 8, 2026: 4.30% APYOct 23, 2026: 4.40% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.40%▲ from 4.30%
  • Oct 8, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30% ▲ 1.33% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
California Average2.97%▲ 1.33% above avgNationally 2.79%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 27, 2026: 4.04% APYOct 3, 2026: 4.30% APYSep 27, 2026Oct 28, 2026
  • Oct 3, 20264.30%▲ from 4.04%
  • Sep 27, 20264.04%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6-MONTH IRA CD
$1,000
4.25% ▲ 1.28% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 6-Month CD
$0
4.25% ▲ 1.28% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
6 Month CD
$1,000
4.25% ▲ 1.28% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Digital | Consumer CD

Rate History
2 changes since Sep 8, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 8, 2026: 3.70% APYOct 20, 2026: 4.10% APYOct 26, 2026: 4.25% APYSep 8, 2026Oct 28, 2026
  • Oct 26, 20264.25%▲ from 4.10%
  • Oct 20, 20264.10%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6-Month CD
$25,000
4.25% ▲ 1.28% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Rate History
No change since Oct 28, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 28, 2026: 4.25% APYOct 28, 2026Oct 28, 2026
Glendale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Share Certificate - Promotional 6 Month
$100,000
4.25% ▲ 1.28% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

$100,000 minimum for Promotional 4.25% CD for 6 months; Promotional CD rate is for new money; Early withdrawals subject to penalty

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
6 Month Term Share Certificate
$500
4.25% ▲ 1.28% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Term: 6 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 Month Summer Certificate Specials - Term Certificate
$0
4.25% ▲ 1.28% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Balance: $500 and above; Limited-time summer certificate special

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 28, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Summer CD Special - 6 Months
$0
4.25% ▲ 1.28% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; All regular certificates can be opened as IRA certificates, unless otherwise noted; Terms and conditions may vary by account

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 28, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Summer Certificate Specials - 6 months
$0
4.25% ▲ 1.28% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 28, 2026
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
Certificate Accounts - 6 Month Promo
$500
4.25% ▲ 1.28% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Promo; Rate type: Fixed

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 28, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
6 Month Certificate - Rewards+ Loyalty Program
$500
4.25% ▲ 1.28% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.23% ▲ 1.26% above California avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.26% above avgNationally 2.79%
Details

New money deposits required; $10,000 minimum opening deposit

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
3.50%4.12%4.73%Oct 14, 2026: 4.00% APYOct 20, 2026: 4.23% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20264.23%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.20% ▲ 1.23% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▲ 1.23% above avgNationally 2.79%
Details

Rate History
3 changes since Sep 16, 2026 · 4.35% → 4.20% ▼ 0.15 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYOct 22, 2026: 4.15% APYOct 27, 2026: 4.20% APYSep 16, 2026Oct 28, 2026
  • Oct 27, 20264.20%▲ from 4.15%
  • Oct 22, 20264.15%▼ from 4.40%
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 6 Months
$0
4.15% ▲ 1.18% above California avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.18% above avgNationally 2.79%
Details

Share Certificate Rates current as of October 23, 2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 6 Month
$1,000
4.10% ▲ 1.13% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.13% above avgNationally 2.79%
Details

Minimum balance to open account online: $1,000; Opened online; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 28, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
6 Month CD
$1,000
4.10% ▲ 1.13% above California avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▲ 1.13% above avgNationally 2.79%
Details

Retail/Consumer only

Rate History
1 change since Sep 8, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 8, 2026: 3.70% APYOct 20, 2026: 4.10% APYSep 8, 2026Oct 28, 2026
  • Oct 20, 20264.10%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
Beach Cities Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 6 Months
$2,500
4.10% ▲ 1.13% above California avg
View
▼
Rate4.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▲ 1.13% above avgNationally 2.79%
Details

Balance tier: $100,000

Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10% ▲ 1.13% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.13% above avgNationally 2.79%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10% ▲ 1.13% above California avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.13% above avgNationally 2.79%
Details

Business certificate of deposit; APY accurate as of 10/26/2026; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 28, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10% ▲ 1.13% above California avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.13% above avgNationally 2.79%
Details

Short-Term Growth; Minimum to open: $2,500

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 28, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate - 6 Months
$0
4.07% ▲ 1.10% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.10% above avgNationally 2.79%
Details

Rate Type: Fixed; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 10 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 28, 2026
Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
6 Month CD
$1,000
4.04% ▲ 1.07% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.07% above avgNationally 2.79%
Details

APY based on minimum deposit of $1,000; APYs current as of 9/9/2025; penalty may be assessed for early withdrawal

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 8 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 28, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Jumbo Certificate of Deposit - 6 Months
$0
4.03% ▲ 1.06% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.06% above avgNationally 2.79%
Details

Balance: $10,000.00 and over

Rate History
No change since Oct 21, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 21, 2026: 4.03% APYOct 21, 2026Oct 28, 2026

Tustin 12 Month CD Rates

California 12 Month CD Average3.19% APYNational 3.00%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
12 Month Deferred Compensation Certificate
$0
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details

Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
Deferred Compensation Certificate - 12 months
$50
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details

Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
1 Year Fixed Rate CD
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 3.00%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
Fixed Rate CD - 1-Year
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 3.00%
Details

Featured Rate; Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
12-Month College Saver
$200
4.05% ▲ 0.86% above California avg
View
▼
Rate3.97%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.86% above avgNationally 3.00%
Details

The minimum opening deposit listed is also the minimum balance required to earn the stated APY.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 29, 2026: 4.05% APYSep 14, 2026Oct 28, 2026
  • Sep 29, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
1-Year Term CD
$1,000
4.00% ▲ 0.81% above California avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.81% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
Term CD - 1-Year
$1,000
4.00% ▲ 0.81% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.81% above avgNationally 3.00%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
12 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.25% ▲ 0.06% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.06% above avgNationally 3.00%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
12 Month Regular & Jumbo Certificates (Personal) - Regular
$0
3.10% ▼ 0.09% below California avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.09% below avgNationally 3.00%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 15, 2026: 3.10% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
12 Month Regular Certificate (Personal)
$0
3.10% ▼ 0.09% below California avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.09% below avgNationally 3.00%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 15, 2026: 3.10% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 12 month
$0
3.00% ▼ 0.19% below California avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.19% below avgNationally 3.00%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 12 month
$0
2.80% ▼ 0.39% below California avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.39% below avgNationally 3.00%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 15, 2026: 2.80% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
12 Month Liquid Certificate
$100
2.75% ▼ 0.44% below California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details

Certificate Loan Eligible: No; Additional deposits permitted prior to maturity; Penalty-free withdrawals up to 50% of balance as of account opening

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
12-Month Liquid Certificate (Business)
$500
2.75% ▼ 0.44% below California avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details

Balance requirement: $500 minimum opening balance; Dividend Rate / APY shown as 2.716% / 2.750%

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
12-Month Liquid Certificate (Personal)
$100
2.75% ▼ 0.44% below California avg
View
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details

Balance Requirement: $100 minimum opening balance; minimum balance to open and obtain APY is $100 for regular personal share certificate

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 28, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
12 Month Certificate of Deposit
$500
2.00% ▼ 1.19% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.19% below avgNationally 3.00%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 12 months
$1,000
1.75% ▼ 1.44% below California avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.44% below avgNationally 3.00%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 20, 2026: 1.75% APYOct 20, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
18356 Irvine Blvd, Tustin, CA 92780
1 Year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.68% below California avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.68% below avgNationally 3.00%
Details

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Oct 28, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
18356 Irvine Blvd, Tustin, CA 92780
1 Year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.69% below California avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 3.00%
Details

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 12 months
$1,000
1.50% ▼ 1.69% below California avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 3.00%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 12 months
$500
1.25% ▼ 1.94% below California avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.94% below avgNationally 3.00%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 20, 2026: 1.25% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 12 months
$500
1.00% ▼ 2.19% below California avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.19% below avgNationally 3.00%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 12 months
$1,000
0.75% ▼ 2.44% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 3.00%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 20, 2026: 0.75% APYOct 20, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
12 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.44% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 3.00%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
12 Month Standard CD
$1,000
0.75% ▼ 2.44% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 3.00%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 12 months
$500
0.65% ▼ 2.54% below California avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.54% below avgNationally 3.00%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 20, 2026: 0.65% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 12 months
$1,000
0.35% ▼ 2.84% below California avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.84% below avgNationally 3.00%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 20, 2026: 0.35% APYOct 20, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
1-Year RampUp Plus CD
$25,000
0.25% ▼ 2.94% below California avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.94% below avgNationally 3.00%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 12 months
$500
0.10% ▼ 3.09% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.09% below avgNationally 3.00%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
No Penalty CD - 12-Month
$500
0.05% ▼ 3.14% below California avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.14% below avgNationally 3.00%
Details

Apply Now

Rate History
No change since Oct 26, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 26, 2026: 0.05% APYOct 26, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 12 months
$1,000
0.05% ▼ 3.14% below California avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.14% below avgNationally 3.00%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 12 months
$500
0.05% ▼ 3.14% below California avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.14% below avgNationally 3.00%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 28, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12 Month Relationship Certificate
$0
5.90% ▲ 2.71% above California avg
View
▼
Rate5.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 2.71% above avgNationally 3.00%
Details

Terms Apply; Balance: < $90,000

Rate History
No change since Oct 15, 2026 · 5.90% APY · checked 2 times
5.40%5.90%6.40%Oct 15, 2026: 5.90% APYOct 15, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
12 Month Pathfinder Term Share Certificate
$100
5.00% ▲ 1.81% above California avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.81% above avgNationally 3.00%
Details

Balance: $100.00 - $4,999.99; Pathfinder accounts are for members 17 years and younger; Rates effective January 1, 2026

Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 25, 2026: 5.00% APYSep 25, 2026Oct 28, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Certificate - 12 months
$0
5.00% ▲ 1.81% above California avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.81% above avgNationally 3.00%
Details

Balance tier: $25,000 and over; Rate effective October 1, 2026

Rate History
1 change since Sep 17, 2026 · 2.00% → 5.00% ▲ 3.00 pts · high 5.00% / low 2.00%
0.00%4.00%8.00%Sep 17, 2026: 2.00% APYOct 9, 2026: 5.00% APYSep 17, 2026Oct 28, 2026
  • Oct 9, 20265.00%▲ from 2.00%
  • Sep 17, 20262.00%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Certificate - 12 months
$0
4.75% ▲ 1.56% above California avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.56% above avgNationally 3.00%
Details

Balance tier: $10,000 and over; Rate effective October 1, 2026

Rate History
1 change since Sep 17, 2026 · 2.00% → 4.75% ▲ 2.75 pts · high 4.75% / low 2.00%
0.00%3.75%7.50%Sep 17, 2026: 2.00% APYOct 9, 2026: 4.75% APYSep 17, 2026Oct 28, 2026
  • Oct 9, 20264.75%▲ from 2.00%
  • Sep 17, 20262.00%first recorded
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12-Month Certificate
$100
4.70% ▲ 1.51% above California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.51% above avgNationally 3.00%
Details

Today's best rate is up to 4.70% APY; includes a .50 bonus for active and engaged Loyalty+ members; minimum opening deposit $100; membership and checking or savings account required

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.70% ▲ 0.70 pts · high 4.70% / low 4.00%
3.30%4.35%5.40%Sep 14, 2026: 4.00% APYSep 21, 2026: 4.70% APYSep 14, 2026Oct 28, 2026
  • Sep 21, 20264.70%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.50% ▲ 1.31% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.31% above avgNationally 3.00%
Details

Featured rate; Online Only; 30-day penalty may apply for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYOct 20, 2026: 4.50% APYSep 14, 2026Oct 28, 2026
  • Oct 20, 20264.50%▲ from 4.35%
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month IRA Certificates
$500
4.50% ▲ 1.31% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.31% above avgNationally 3.00%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 24, 2026: 3.75% APYOct 4, 2026: 4.50% APYSep 24, 2026Oct 28, 2026
  • Oct 4, 20264.50%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 12 Month
$1,000
4.50% ▲ 1.31% above California avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.31% above avgNationally 3.00%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 28, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Certificate - 12 months
$0
4.50% ▲ 1.31% above California avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.31% above avgNationally 3.00%
Details

Balance tier: $1,000 and over; Rate effective October 1, 2026

Rate History
1 change since Sep 17, 2026 · 2.00% → 4.50% ▲ 2.50 pts · high 4.50% / low 2.00%
0.00%3.50%7.00%Sep 17, 2026: 2.00% APYOct 9, 2026: 4.50% APYSep 17, 2026Oct 28, 2026
  • Oct 9, 20264.50%▲ from 2.00%
  • Sep 17, 20262.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 12 Months
$0
4.45% ▲ 1.26% above California avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.26% above avgNationally 3.00%
Details

Share Certificate Rates current as of October 23, 2026

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.45%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Monterey County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12-Month CD Special
$100,000
4.44% ▲ 1.25% above California avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.25% above avgNationally 3.00%
Details

Available to new funds only; early withdrawal penalty may apply; APY accurate as of 10/1/2026

Rate History
No change since Oct 11, 2026 · 4.44% APY · checked 5 times
3.94%4.44%4.94%Oct 11, 2026: 4.44% APYOct 11, 2026Oct 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 12 Month
$1,000
4.40% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.21% above avgNationally 3.00%
Details

Minimum balance to open account online: $1,000; Opened online; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 28, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate CD
$2,500
4.39% ▲ 1.20% above California avg
View
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.20% above avgNationally 3.00%
Details

New money deposits required; $2,500 minimum opening deposit

Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
3.61%4.25%4.89%Oct 14, 2026: 4.11% APYOct 20, 2026: 4.39% APYOct 14, 2026Oct 28, 2026
  • Oct 20, 20264.39%▲ from 4.11%
  • Oct 14, 20264.11%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 28, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
12 Month CD
$5,000
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details

Digital | Consumer CD

Rate History
1 change since Oct 2, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Oct 2, 2026: 3.95% APYOct 26, 2026: 4.35% APYOct 2, 2026Oct 28, 2026
  • Oct 26, 20264.35%▲ from 3.95%
  • Oct 2, 20263.95%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
12-Month CD
$25,000
4.35% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details

Rate History
No change since Oct 28, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 28, 2026: 4.35% APYOct 28, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$0
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Elite Jumbo CD
$250,000
4.35% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded

Tustin 18 Month CD Rates

California 18 Month CD Average3.09% APYNational 2.90%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 18 months
$1,000
2.78% ▼ 0.31% below California avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.31% below avgNationally 2.90%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 20, 2026: 2.78% APYOct 20, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
18-Month Term CD
$1,000
2.75% ▼ 0.34% below California avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.34% below avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
Term CD - 18-Month
$1,000
2.75% ▼ 0.34% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.34% below avgNationally 2.90%
Details

Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 18 months
$1,000
2.27% ▼ 0.82% below California avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.82% below avgNationally 2.90%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 20, 2026: 2.27% APYOct 20, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
18 Month Fixed Rate CD
$0
2.00% ▼ 1.09% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.09% below avgNationally 2.90%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
Fixed Rate CD - 18-Month
$0
2.00% ▼ 1.09% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.09% below avgNationally 2.90%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 18 months
$500
1.75% ▼ 1.34% below California avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.34% below avgNationally 2.90%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 20, 2026: 1.75% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 18 months
$500
1.50% ▼ 1.59% below California avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.59% below avgNationally 2.90%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 18 months
$1,000
1.25% ▼ 1.84% below California avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.84% below avgNationally 2.90%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 20, 2026: 1.25% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 18 months
$500
0.75% ▼ 2.34% below California avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.34% below avgNationally 2.90%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 20, 2026: 0.75% APYOct 20, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.34% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.34% below avgNationally 2.90%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
18 Month Standard CD
$1,000
0.75% ▼ 2.34% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.34% below avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 18 months
$1,000
0.20% ▼ 2.89% below California avg
View
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.89% below avgNationally 2.90%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 20, 2026: 0.20% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 18 months
$1,000
0.10% ▼ 2.99% below California avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.99% below avgNationally 2.90%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 18 months
$500
0.10% ▼ 2.99% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.99% below avgNationally 2.90%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 18 months
$500
0.05% ▼ 3.04% below California avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.04% below avgNationally 2.90%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 28, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
18 Month Certificate of Deposit
$500
0.02% ▼ 3.07% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.07% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 28, 2026
PARISHIONERS
Institution Rating:
B+4.7 ★Texas Ratio: 18.39%
18-Month Certificate
$0
4.50% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.41% above avgNationally 2.90%
Details

Limited time only; Earn up to 4.50% APY

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 28, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details

Online Only; 30-day penalty may apply for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYOct 20, 2026: 4.45% APYSep 14, 2026Oct 28, 2026
  • Oct 20, 20264.45%▲ from 4.15%
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 18 Months
$0
4.45% ▲ 1.36% above California avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details

Share Certificate Rates current as of October 23, 2026

Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
3.75%4.35%4.95%Sep 14, 2026: 4.25% APYOct 13, 2026: 4.35% APYOct 23, 2026: 4.45% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.45%▲ from 4.35%
  • Oct 13, 20264.35%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Senior Jumbo CD
$50,000
4.45% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details

Senior rate

Rate History
1 change since Sep 29, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 29, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 29, 2026Oct 28, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 29, 20264.10%first recorded
United Catholics Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Term Certificates - 18 Months Special
$0
4.39% ▲ 1.30% above California avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.30% above avgNationally 2.90%
Details

Balance: $100,000 Minimum

Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 22, 2026: 4.39% APYOct 22, 2026Oct 28, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18-Month CD
$25,000
4.35% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 28, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 28, 2026: 4.35% APYOct 28, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35% ▲ 1.26% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Senior Regular CD
$500
4.35% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details

Senior rate

Rate History
1 change since Sep 29, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 29, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 29, 2026Oct 28, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 18 Month
$0
4.35% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 28, 2026
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Business Certificate Specials
$500
4.30% ▲ 1.21% above California avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.21% above avgNationally 2.90%
Details

Certificate Special; Minimum balance to obtain APY: $500; APY accurate as of 09-28-2026

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYOct 1, 2026: 4.30% APYSep 18, 2026Oct 28, 2026
  • Oct 1, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
United Catholics Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Term Certificates - 18 Months Special
$0
4.28% ▲ 1.19% above California avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.19% above avgNationally 2.90%
Details

Balance: $50,000 Minimum

Rate History
No change since Oct 22, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 22, 2026: 4.28% APYOct 22, 2026Oct 28, 2026
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
18-MONTH IRA CD
$1,000
4.25% ▲ 1.16% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 18-Month CD
$0
4.25% ▲ 1.16% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
18 Month Term Share Certificate
$500
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Term: 18 months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 28, 2026
  • Oct 4, 20264.25%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25% ▲ 1.16% above California avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

CD Special; Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Months Promotional IRA Certificate
$500
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Promotional 18-month IRA certificate; automatically renews into a standard 24-month certificate at the rate in effect at renewal; Early withdrawal penalties may apply

Rate History
No change since Oct 26, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 28, 2026
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Months Promotional Term Certificate
$1,000
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Promotional 18-month certificate; automatically renews into a standard 24-month certificate at the rate in effect at renewal; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 26, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Sep 26, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
18 Month Certificate - Rewards+ Loyalty Program
$500
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details

Balanced Growth; Minimum to open: $500

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 28, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18% ▲ 1.09% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.09% above avgNationally 2.90%
Details

GBC 50th Anniversary Special!

Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
3.58%4.13%4.68%Sep 7, 2026: 4.08% APYSep 19, 2026: 4.18% APYSep 7, 2026Oct 28, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
United Catholics Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Term Certificates - 18 Months Special
$0
4.18% ▲ 1.09% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.09% above avgNationally 2.90%
Details

Balance: $25,000 Minimum

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 28, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17% ▲ 1.08% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.08% above avgNationally 2.90%
Details

IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 4.17% APY · checked 3 times
3.67%4.17%4.67%Oct 21, 2026: 4.17% APYOct 21, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.06% above avgNationally 2.90%
Details

Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 13, 2026: 4.15% APYSep 21, 2026Oct 28, 2026
  • Oct 13, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.15% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.15% ▲ 1.06% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.06% above avgNationally 2.90%
Details

CD Special; Balance: $50,000 - $99,999

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 10 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 1.01% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.01% above avgNationally 2.90%
Details

Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 28, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Jumbo Certificate of Deposit - 18 Months
$0
4.08% ▲ 0.99% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.99% above avgNationally 2.90%
Details

Balance: $10,000.00 and over

Rate History
No change since Oct 21, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 21, 2026: 4.08% APYOct 21, 2026Oct 28, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Mini Money Maker Certificates of Deposit - 18 Months
$0
4.08% ▲ 0.99% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.99% above avgNationally 2.90%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Oct 21, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 21, 2026: 4.08% APYOct 21, 2026Oct 28, 2026

Tustin 24 Month CD Rates

California 24 Month CD Average2.99% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
2 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.35% ▲ 0.36% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 0.36% above avgNationally 2.90%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
2 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.20% ▲ 0.21% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 0.21% above avgNationally 2.90%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 15, 2026: 3.20% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
2 Year Regular Certificate (Personal)
$0
3.20% ▲ 0.21% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 0.21% above avgNationally 2.90%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 15, 2026: 3.20% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
2 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.75% ▼ 0.24% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 0.24% below avgNationally 2.90%
Details

Balance: $100,000 and above

Rate History
No change since Oct 23, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 23, 2026: 2.75% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 2 years
$0
2.75% ▼ 0.24% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 0.24% below avgNationally 2.90%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
2 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.65% ▼ 0.34% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 0.34% below avgNationally 2.90%
Details

Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY

Rate History
No change since Oct 23, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 23, 2026: 2.65% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 2 years
$0
2.65% ▼ 0.34% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 0.34% below avgNationally 2.90%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 24 months
$500
2.27% ▼ 0.72% below California avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.72% below avgNationally 2.90%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 20, 2026: 2.27% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 24 months
$500
2.02% ▼ 0.97% below California avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.97% below avgNationally 2.90%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 20, 2026: 2.02% APYOct 20, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
2 Year Fixed Rate CD
$0
2.00% ▼ 0.99% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.99% below avgNationally 2.90%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
Fixed Rate CD - 2-Year
$0
2.00% ▼ 0.99% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.99% below avgNationally 2.90%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 24 months
$1,000
1.50% ▼ 1.49% below California avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 1.49% below avgNationally 2.90%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 24 months
$1,000
1.00% ▼ 1.99% below California avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 1.99% below avgNationally 2.90%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 24 months
$500
1.00% ▼ 1.99% below California avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 1.99% below avgNationally 2.90%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 24 months
$1,000
0.75% ▼ 2.24% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.24% below avgNationally 2.90%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 20, 2026: 0.75% APYOct 20, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
24 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.24% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.24% below avgNationally 2.90%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
24 Month Standard CD
$1,000
0.75% ▼ 2.24% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.24% below avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
2-Year Jumbo CD
$100,000
0.40% ▼ 2.59% below California avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.59% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
2-Year Term CD
$1,000
0.40% ▼ 2.59% below California avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.59% below avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
Term CD - 2-Year
$1,000
0.40% ▼ 2.59% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.59% below avgNationally 2.90%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
2-Year RampUp Plus CD
$25,000
0.25% ▼ 2.74% below California avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.74% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 24 months
$1,000
0.20% ▼ 2.79% below California avg
View
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.79% below avgNationally 2.90%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 20, 2026: 0.20% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 24 months
$1,000
0.15% ▼ 2.84% below California avg
View
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.84% below avgNationally 2.90%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 24 months
$500
0.15% ▼ 2.84% below California avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.84% below avgNationally 2.90%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 24 months
$500
0.10% ▼ 2.89% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.89% below avgNationally 2.90%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
2 Year Certificate of Deposit
$500
0.05% ▼ 2.94% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.94% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60% ▲ 1.61% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.61% above avgNationally 2.90%
Details

Minimum balance to open account online: $1,000; Opened online; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 20, 2026: 4.60% APYOct 20, 2026Oct 28, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
24 Month Certificate - Rewards+ Loyalty Program
$500
4.50% ▲ 1.51% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.51% above avgNationally 2.90%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 28, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 24 month Certificate - Rewards+ Loyalty Program
$25
4.50% ▲ 1.51% above California avg
View
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.51% above avgNationally 2.90%
Details

IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member

Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45% ▲ 1.46% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.46% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 24 Month
$1,000
4.40% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 28, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details

Wealth Center/Telephone Only; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 26, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 26, 2026: 4.40% APYOct 26, 2026Oct 28, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24-Month CD
$25,000
4.40% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details

Rate History
No change since Oct 28, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 28, 2026: 4.40% APYOct 28, 2026Oct 28, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 28, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 24 month
$0
4.35% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.36% above avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 28, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.36% above avgNationally 2.90%
Details

Online Only; 30-day penalty may apply for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
1.65%3.68%5.70%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYOct 20, 2026: 4.35% APYSep 14, 2026Oct 28, 2026
  • Oct 20, 20264.35%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 24 Months
$0
4.35% ▲ 1.36% above California avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.36% above avgNationally 2.90%
Details

Share Certificate Rates current as of October 23, 2026

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Sep 14, 2026: 4.30% APYOct 23, 2026: 4.35% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.35%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$0
4.35% ▲ 1.36% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.36% above avgNationally 2.90%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
Certificate - 24 Months
$0
4.33% ▲ 1.34% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.34% above avgNationally 2.90%
Details

Balance: $100,000 +

Rate History
1 change since Sep 21, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 21, 2026: 4.07% APYOct 5, 2026: 4.33% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.33%▲ from 4.07%
  • Sep 21, 20264.07%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Jumbo CD
$50,000
4.30% ▲ 1.31% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.31% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
IRA 24 Month Certificate
$1,000
4.30% ▲ 1.31% above California avg
View
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.31% above avgNationally 2.90%
Details

Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.30% ▲ 0.60 pts · high 4.30% / low 3.70%
3.10%4.00%4.90%Sep 14, 2026: 3.70% APYOct 19, 2026: 4.30% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.30%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
24-MONTH IRA CD
$0
4.25% ▲ 1.26% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 24-Month CD
$0
4.25% ▲ 1.26% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Beach Cities Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 24 Months
$2,500
4.25% ▲ 1.26% above California avg
View
▼
Rate4.17%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

Term: 24 Months ( 2 Years ); Balance tier: $250,000

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 28, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Term Certificate
$500
4.25% ▲ 1.26% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

Standard Term Certificate; available to personal and business members

Rate History
1 change since Oct 8, 2026 · 4.11% → 4.25% ▲ 0.14 pts · high 4.25% / low 4.11%
3.61%4.18%4.75%Oct 8, 2026: 4.11% APYOct 23, 2026: 4.25% APYOct 8, 2026Oct 28, 2026
  • Oct 23, 20264.25%▲ from 4.11%
  • Oct 8, 20264.11%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
2 Year Term Share Certificate
$500
4.25% ▲ 1.26% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

Term: 2 years with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 12, 2026Oct 28, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
Epic Premium Promotion - 2-year Term Share Certificate
$0
4.25% ▲ 1.26% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

Epic Premium account holders receive a .25% bonus on a new 2-year Term Share Certificate; Stated Rate 4.169%

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 28, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 24 Month
$1,000
4.25% ▲ 1.26% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 28, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Certificate 2 Year
$0
4.25% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

IRA Certificate Rates; APY (Estimate); $1,000 minimum deposit required for New Money; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25% ▲ 1.26% above California avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded

Tustin 36 Month CD Rates

California 36 Month CD Average3.01% APYNational 2.81%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
36 Month Deferred Compensation Certificate
$0
4.40% ▲ 1.39% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details

Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
Deferred Compensation Certificate - 36 months
$50
4.40% ▲ 1.39% above California avg
View
▼
Rate4.31%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details

Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.35% ▲ 0.34% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.20% ▲ 0.19% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 15, 2026: 3.20% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Year Regular Certificate (Personal)
$0
3.20% ▲ 0.19% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 15, 2026: 3.20% APYOct 15, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 36 months
$500
2.78% ▼ 0.23% below California avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.23% below avgNationally 2.81%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 20, 2026: 2.78% APYOct 20, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.70% ▼ 0.31% below California avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details

Balance: $100,000 and above

Rate History
No change since Oct 23, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 23, 2026: 2.70% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 3 years
$0
2.70% ▼ 0.31% below California avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 15, 2026: 2.70% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
3 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.60% ▼ 0.41% below California avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details

Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY

Rate History
No change since Oct 23, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 23, 2026: 2.60% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 3 years
$0
2.60% ▼ 0.41% below California avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 15, 2026: 2.60% APYOct 15, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 36 months
$500
2.27% ▼ 0.74% below California avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.74% below avgNationally 2.81%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 20, 2026: 2.27% APYOct 20, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
3 Year Fixed Rate CD
$0
2.00% ▼ 1.01% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
Fixed Rate CD - 3-Year
$0
2.00% ▼ 1.01% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 36 months
$1,000
1.50% ▼ 1.51% below California avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.51% below avgNationally 2.81%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 36 months
$500
1.25% ▼ 1.76% below California avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.76% below avgNationally 2.81%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 20, 2026: 1.25% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 36 months
$1,000
1.00% ▼ 2.01% below California avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.01% below avgNationally 2.81%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 36 months
$1,000
0.75% ▼ 2.26% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 20, 2026: 0.75% APYOct 20, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.26% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
36 Month Standard CD
$1,000
0.75% ▼ 2.26% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
3-Year Jumbo CD
$100,000
0.40% ▼ 2.61% below California avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
3-Year Term CD
$1,000
0.40% ▼ 2.61% below California avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
Term CD - 3-Year
$1,000
0.40% ▼ 2.61% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 36 months
$1,000
0.25% ▼ 2.76% below California avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 20, 2026: 0.25% APYOct 20, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
3-Year RampUp CD
$25,000
0.25% ▼ 2.76% below California avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 36 months
$1,000
0.15% ▼ 2.86% below California avg
View
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.86% below avgNationally 2.81%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 36 months
$500
0.15% ▼ 2.86% below California avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.86% below avgNationally 2.81%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 36 months
$500
0.10% ▼ 2.91% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.91% below avgNationally 2.81%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 28, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
3 Year Certificate of Deposit
$500
0.05% ▼ 2.96% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.96% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50% ▲ 1.49% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
36 Month Certificate - Rewards+ Loyalty Program
$500
4.50% ▲ 1.49% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 28, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 36 month Certificate - Rewards+ Loyalty Program
$25
4.50% ▲ 1.49% above California avg
View
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member

Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$0
4.40% ▲ 1.39% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35% ▲ 1.34% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
IRA 36 Month Certificate
$1,000
4.35% ▲ 1.34% above California avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.34% above avgNationally 2.81%
Details

Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 14, 2026: 3.70% APYOct 19, 2026: 4.35% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 36 Months
$0
4.30% ▲ 1.29% above California avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.29% above avgNationally 2.81%
Details

Share Certificate Rates current as of October 23, 2026

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYOct 23, 2026: 4.30% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30% ▲ 1.29% above California avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.29% above avgNationally 2.81%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Share Certificate - 36 Months
$1,000
4.30% ▲ 1.29% above California avg
View
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.29% above avgNationally 2.81%
Details

Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply

Rate History
1 change since Oct 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
3.00%3.97%4.95%Oct 14, 2026: 3.65% APYOct 19, 2026: 4.30% APYOct 14, 2026Oct 28, 2026
  • Oct 19, 20264.30%▲ from 3.65%
  • Oct 14, 20263.65%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
36-MONTH IRA CD
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 36-Month CD
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Online CD
$0
4.25% ▲ 1.24% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Interest Calculation: Compounded Daily; Early Withdrawal: Penalty; Online Only; APY accurate as of 09/25/2026; requires $25,000 minimum balance to obtain the 4.25% APY

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Year Term Share Certificate
$500
4.25% ▲ 1.24% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Minimum deposit $500 (Min. Certs.)

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 36 Month
$1,000
4.25% ▲ 1.24% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Year IRA Traditional & Roth CD
$500
4.25% ▲ 1.24% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 13, 2026: 4.25% APYSep 21, 2026Oct 28, 2026
  • Oct 13, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Regular CD
$500
4.25% ▲ 1.24% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 36 Months
$0
4.18% ▲ 1.17% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.17% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 28, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 36 Months
$0
4.18% ▲ 1.17% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.17% above avgNationally 2.81%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 36 Month
$0
4.17% ▲ 1.16% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.16% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.17% ▲ 1.16% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.16% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
4 changes since Sep 14, 2026 · 3.91% → 4.17% ▲ 0.26 pts · high 4.17% / low 3.91%
3.41%4.04%4.67%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYOct 23, 2026: 4.17% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.17%▲ from 4.12%
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate (Share, IRA, ESA)
$0
4.15% ▲ 1.14% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Minimum balance tier: $100K Minimum APY

Rate History
No change since Oct 26, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 26, 2026: 4.15% APYOct 26, 2026Oct 28, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 3 Years Add-On
$0
4.15% ▲ 1.14% above California avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Balance: $1.00 - $3,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $3,000; Limit one per member under 18 years of age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 28, 2026

Tustin 48 Month CD Rates

California 48 Month CD Average3.06% APYNational 2.80%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
4 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.40% ▲ 0.34% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 0.34% above avgNationally 2.80%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 15, 2026: 3.40% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
4 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.25% ▲ 0.19% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 0.19% above avgNationally 2.80%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
4 Year Regular Certificate (Personal)
$0
3.25% ▲ 0.19% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 0.19% above avgNationally 2.80%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
4 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.65% ▼ 0.41% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▼ 0.41% below avgNationally 2.80%
Details

Balance: $100,000 and above

Rate History
No change since Oct 23, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 23, 2026: 2.65% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 4 years
$0
2.65% ▼ 0.41% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▼ 0.41% below avgNationally 2.80%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
4 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.55% ▼ 0.51% below California avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▼ 0.51% below avgNationally 2.80%
Details

Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY

Rate History
No change since Oct 23, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 23, 2026: 2.55% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 4 years
$0
2.55% ▼ 0.51% below California avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▼ 0.51% below avgNationally 2.80%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 15, 2026: 2.55% APYOct 15, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
4 Year Fixed Rate CD
$0
2.00% ▼ 1.06% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.06% below avgNationally 2.80%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
Fixed Rate CD - 4-Year
$0
2.00% ▼ 1.06% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.06% below avgNationally 2.80%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 48 months
$500
1.50% ▼ 1.56% below California avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.56% below avgNationally 2.80%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 48 months
$1,000
1.25% ▼ 1.81% below California avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.81% below avgNationally 2.80%
Details

Balance: $500,000 or more

Rate History
1 change since Oct 20, 2026 · 1.26% → 1.25% ▼ 0.01 pts · high 1.26% / low 1.25%
0.75%1.26%1.76%Oct 20, 2026: 1.26% APYOct 26, 2026: 1.25% APYOct 20, 2026Oct 28, 2026
  • Oct 26, 20261.25%▼ from 1.26%
  • Oct 20, 20261.26%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 48 months
$1,000
1.00% ▼ 2.06% below California avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.06% below avgNationally 2.80%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 48 months
$500
1.00% ▼ 2.06% below California avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.06% below avgNationally 2.80%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 48 months
$1,000
0.75% ▼ 2.31% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 20, 2026: 0.75% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 48 months
$500
0.75% ▼ 2.31% below California avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 20, 2026: 0.75% APYOct 20, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.31% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
48 Month Standard CD
$1,000
0.75% ▼ 2.31% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
4-Year Jumbo CD
$100,000
0.50% ▼ 2.56% below California avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.56% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
4-Year Term CD
$1,000
0.50% ▼ 2.56% below California avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.56% below avgNationally 2.80%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
Term CD - 4-Year
$1,000
0.50% ▼ 2.56% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.56% below avgNationally 2.80%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 48 months
$1,000
0.35% ▼ 2.71% below California avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.71% below avgNationally 2.80%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 20, 2026: 0.35% APYOct 20, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
4-Year RampUp CD
$50,000
0.25% ▼ 2.81% below California avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.81% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 48 months
$500
0.20% ▼ 2.86% below California avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.86% below avgNationally 2.80%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 20, 2026: 0.20% APYOct 20, 2026Oct 28, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
4 Year Certificate of Deposit
$500
0.15% ▼ 2.91% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.91% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 48 months
$500
0.15% ▼ 2.91% below California avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.91% below avgNationally 2.80%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 48 months
$1,000
0.05% ▼ 3.01% below California avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 3.01% below avgNationally 2.80%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.69% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.69% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
48 Month Certificate - Rewards+ Loyalty Program
$500
4.50% ▲ 1.44% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.44% above avgNationally 2.80%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 28, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 48 month Certificate - Rewards+ Loyalty Program
$25
4.50% ▲ 1.44% above California avg
View
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.44% above avgNationally 2.80%
Details

IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member

Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40% ▲ 1.34% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.34% above avgNationally 2.80%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 28, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
IRA 48 Month Certificate
$1,000
4.35% ▲ 1.29% above California avg
View
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.29% above avgNationally 2.80%
Details

Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Sep 14, 2026: 3.75% APYOct 19, 2026: 4.35% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20264.35%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30% ▲ 1.24% above California avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.24% above avgNationally 2.80%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 28, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Share Certificate - 48 Months
$1,000
4.30% ▲ 1.24% above California avg
View
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.24% above avgNationally 2.80%
Details

Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply

Rate History
1 change since Oct 14, 2026 · 3.70% → 4.30% ▲ 0.60 pts · high 4.30% / low 3.70%
3.10%4.00%4.90%Oct 14, 2026: 3.70% APYOct 19, 2026: 4.30% APYOct 14, 2026Oct 28, 2026
  • Oct 19, 20264.30%▲ from 3.70%
  • Oct 14, 20263.70%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Certificate - 4 Years
$1,000
4.28% ▲ 1.22% above California avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.22% above avgNationally 2.80%
Details

APY range: 4.28% - 4.49%; Minimum = $1,000; Jumbo certificates over $75,000 add .20%

Rate History
No change since Oct 23, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 23, 2026: 4.28% APYOct 23, 2026Oct 28, 2026
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
48-MONTH IRA CD
$0
4.25% ▲ 1.19% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 48-Month CD
$0
4.25% ▲ 1.19% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
4 Year Term Share Certificate
$500
4.25% ▲ 1.19% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details

Minimum deposit $500 (Min. Certs.)

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 28, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 48 Month
$1,000
4.25% ▲ 1.19% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 28, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 48 Months
$0
4.25% ▲ 1.19% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details

Share Certificate Rates current as of October 23, 2026

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
Certificate Accounts - 48 Month
$500
4.25% ▲ 1.19% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details

Rate type: Fixed

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 28, 2026
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
48 Month Promo Certificate
$1,000
4.25% ▲ 1.19% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details

Funds on deposit at AFCU not eligible unless matched with outside (new) funds from another financial institution

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20% ▲ 1.14% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 48 Months
$0
4.18% ▲ 1.12% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.12% above avgNationally 2.80%
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 28, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 48 Months
$0
4.18% ▲ 1.12% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.12% above avgNationally 2.80%
Details

Fixed rate; Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.12% ▲ 1.06% above California avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.06% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.12% ▲ 1.06% above California avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.06% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
3.41%4.02%4.62%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
Certificate - 48 Months
$0
4.07% ▲ 1.01% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.01% above avgNationally 2.80%
Details

Balance: $100,000 +

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 28, 2026
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
48-Month Term Share Certificate
$500
4.06% ▲ 1.00% above California avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.00% above avgNationally 2.80%
Details

Effective 09/1/2026; Early withdrawal penalty: 180 days

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 8 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 28, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
IRA Certificate Jumbo - 48 month
$0
4.05% ▲ 0.99% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.99% above avgNationally 2.80%
Details

Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 28, 2026
  • Oct 10, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Jumbo Share Certificate - 48 month
$0
4.05% ▲ 0.99% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.99% above avgNationally 2.80%
Details

Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.97%; Anticipated APY 4.05%

Rate History
No change since Oct 26, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 28, 2026

Tustin 60 Month CD Rates

California 60 Month CD Average3.19% APYNational 2.91%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month Deferred Compensation Certificate
$0
4.50% ▲ 1.31% above California avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.31% above avgNationally 2.91%
Details

Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
Deferred Compensation Certificate - 60 months
$50
4.50% ▲ 1.31% above California avg
View
▼
Rate4.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.31% above avgNationally 2.91%
Details

Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month IRA Certificate
$0
4.40% ▲ 1.21% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.21% above avgNationally 2.91%
Details

Balance: $250,000 Minimum Balance (Jumbo)

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
IRA Certificate - 60 Months
$0
4.40% ▲ 1.21% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.21% above avgNationally 2.91%
Details

Traditional and Roth IRA; Jumbo

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month IRA Certificate
$0
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 2.91%
Details

Balance: $100,000 Minimum Balance (Jumbo)

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 28, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
IRA Certificate - 60 Months
$0
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 2.91%
Details

Traditional and Roth IRA; Jumbo

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month IRA Certificate
$0
4.30% ▲ 1.11% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.11% above avgNationally 2.91%
Details

Balance: $50,000 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.30% APYSep 14, 2026Oct 28, 2026
  • Sep 29, 20264.30%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month Share Certificates
$0
4.30% ▲ 1.11% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.11% above avgNationally 2.91%
Details

Balance: $250,000 Minimum Balance (Jumbo)

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.30%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
IRA Certificate - 60 Months
$0
4.30% ▲ 1.11% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.11% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
No change since Oct 23, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
Share Certificate - 60 Months
$0
4.30% ▲ 1.11% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.11% above avgNationally 2.91%
Details

Jumbo

Rate History
No change since Oct 23, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month IRA Certificate
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details

Balance: $20,000 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 28, 2026
  • Sep 29, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month Share Certificates
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details

Balance: $100,000 Minimum Balance (Jumbo)

Rate History
1 change since Sep 21, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 21, 2026: 4.05% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.25%▲ from 4.05%
  • Sep 21, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
IRA Certificate - 60 Months
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
Share Certificate - 60 Months
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details

Jumbo

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month IRA Certificate
$0
4.20% ▲ 1.01% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.01% above avgNationally 2.91%
Details

Balance: $500 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 28, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month Share Certificates
$0
4.20% ▲ 1.01% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.01% above avgNationally 2.91%
Details

Balance: $50,000 Minimum Balance

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
IRA Certificate - 60 Months
$0
4.20% ▲ 1.01% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.01% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
No change since Oct 23, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
Share Certificate - 60 Months
$0
4.20% ▲ 1.01% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.01% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month Share Certificates
$0
4.15% ▲ 0.96% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.96% above avgNationally 2.91%
Details

Balance: $20,000 Minimum Balance

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.15%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
Share Certificate - 60 Months
$0
4.15% ▲ 0.96% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.96% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 23, 2026: 4.15% APYOct 23, 2026Oct 28, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
60 Month Share Certificates
$0
4.10% ▲ 0.91% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.91% above avgNationally 2.91%
Details

Balance: $500 Minimum Balance

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.10%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
15442 Newport Ave, Tustin, CA 92780
Share Certificate - 60 Months
$0
4.10% ▲ 0.91% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.91% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
5 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.70% ▲ 0.51% above California avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.51% above avgNationally 2.91%
Details

Balance: $100,000 and above; Jumbo

Rate History
1 change since Oct 15, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Oct 15, 2026: 3.45% APYOct 23, 2026: 3.70% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20263.70%▲ from 3.45%
  • Oct 15, 20263.45%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
5 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.55% ▲ 0.36% above California avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.36% above avgNationally 2.91%
Details

Balance: Under $100,000; Regular

Rate History
1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Oct 15, 2026: 3.30% APYOct 23, 2026: 3.55% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20263.55%▲ from 3.30%
  • Oct 15, 20263.30%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
5 Year Regular Certificate (Personal)
$0
3.55% ▲ 0.36% above California avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.36% above avgNationally 2.91%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Oct 15, 2026: 3.30% APYOct 23, 2026: 3.55% APYOct 15, 2026Oct 28, 2026
  • Oct 23, 20263.55%▲ from 3.30%
  • Oct 15, 20263.30%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
5 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.75% ▼ 0.44% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 2.91%
Details

Balance: $100,000 and above

Rate History
No change since Oct 23, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 23, 2026: 2.75% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 5 years
$0
2.75% ▼ 0.44% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 2.91%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
5 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.65% ▼ 0.54% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.54% below avgNationally 2.91%
Details

Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY

Rate History
No change since Oct 23, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 23, 2026: 2.65% APYOct 23, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2324 Park Ave, Tustin, CA 92782
Regular & Jumbo Certificates (Business) - 5 years
$0
2.65% ▼ 0.54% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.54% below avgNationally 2.91%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
5 Year Fixed Rate CD
$0
2.00% ▼ 1.19% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.19% below avgNationally 2.91%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
18232 Irvine Blvd, Tustin, CA 92780
Fixed Rate CD - 5-Year
$0
2.00% ▼ 1.19% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.19% below avgNationally 2.91%
Details

Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 60 months
$1,000
1.75% ▼ 1.44% below California avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.44% below avgNationally 2.91%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 20, 2026: 1.75% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 60 months
$1,000
1.50% ▼ 1.69% below California avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 2.91%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 60 months
$500
1.50% ▼ 1.69% below California avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 2.91%
Details

Balance: $500,000 or more

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 60 months
$1,000
1.00% ▼ 2.19% below California avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.19% below avgNationally 2.91%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 60 months
$500
1.00% ▼ 2.19% below California avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.19% below avgNationally 2.91%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 60 months
$500
0.75% ▼ 2.44% below California avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 2.91%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 20, 2026: 0.75% APYOct 20, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.44% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 2.91%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 28, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
701 E 1st St, Tustin, CA 92780
60 Month Standard CD
$1,000
0.75% ▼ 2.44% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 2.91%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
5-Year Jumbo CD
$100,000
0.50% ▼ 2.69% below California avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.69% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
5-Year Term CD
$1,000
0.50% ▼ 2.69% below California avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.69% below avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
17245 17th St Ste B, Tustin, CA 92780
Term CD - 5-Year
$1,000
0.50% ▼ 2.69% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.69% below avgNationally 2.91%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 60 months
$1,000
0.35% ▼ 2.84% below California avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.84% below avgNationally 2.91%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 20, 2026: 0.35% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 60 months
$500
0.25% ▼ 2.94% below California avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.94% below avgNationally 2.91%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 20, 2026: 0.25% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
IRA Certificate - 60 months
$500
0.15% ▼ 3.04% below California avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.04% below avgNationally 2.91%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Oct 28, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
2691 Park Ave, Tustin, CA 92782
Certificate of Deposit - 60 months
$1,000
0.05% ▼ 3.14% below California avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.14% below avgNationally 2.91%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 28, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.56% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.56% above avgNationally 2.91%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 28, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Executive
$0
4.60% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details

Minimum: $100,000; APY based on minimum deposits of at least $500

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 23, 2026: 4.60% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60% ▲ 1.41% above California avg
View
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
2.60%4.10%5.60%Sep 14, 2026: 3.60% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 28, 2026
  • Oct 15, 20264.60%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60% ▲ 1.41% above California avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Sep 14, 2026: 3.40% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 28, 2026
  • Oct 15, 20264.60%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Tustin, California Institutions

Highest verified APYs available today, updated October 28, 2026

B Top 5 Bank Rates
Citi
1 Year Fixed Rate CD
A+ 5.0 ★ TX: 2.82%
Min: $0
4.25%
CIT Bank
1-Year Term CD
A 5.0 ★ TX: 7.72%
Min: $1,000
4.00%
F&M Bank of Long Beach
Certificate of Deposit - 18 months
A+ 5.0 ★ TX: 0.06%
Min: $1,000
2.78%
First Citizens Bank
12 Month Certificate of Deposit
A 5.0 ★ TX: 7.72%
Min: $500
2.00%
Wells Fargo
1 Year Standard Fixed Rate CD - Relationship
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
CU Top 5 Credit Union Rates
SchoolsFirst Federal Credit Union
60 Month Deferred Compensation Certificate
A+ 5.0 ★ TX: 5.56%
Min: $0
4.50%
Kinecta Federal Credit Union
5 Year Regular & Jumbo Certificates (Personal) - Jumbo
A+ 5.0 ★ TX: 3.82%
Min: $0
3.70%
Schools Federal Credit Union
12 Month Relationship Certificate
A+ 5.0 ★ TX: 1.87%
Min: $0
5.90%
Sage Credit Union
12 Month Pathfinder Term Share Certificate
A+ 5.0 ★ TX: 5.70%
Min: $100
5.00%
LA Healthcare Federal Credit Union
Certificate - 12 months
A+ 5.0 ★ TX: 3.47%
Min: $0
5.00%
Rates verified October 28, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Tustin, CA CD Rate Trends

Compare local Tustin, CA CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full California CD Trends
12-Month CD CA Avg
3.187%
▲ 0.004 vs 7 days ago

California 12-month CD rates rose 0.004 points over the past 7 days to 3.187% APY.

6-Month CD CA Avg
2.970%
▼ 0.001 vs 7 days ago

California 6-month CD rates fell 0.001 points over the past 7 days to 2.970% APY.

As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions

CA CD Rate Forecast, Next 12 Months

Where are California CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

CA 12-Month Avg APY
3.187%
6-Month Forecast
3.187%
Range: 2.99%, 3.34%
12-Month Forecast
3.437%
Range: 3.24%, 3.59%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the California average 12-month CD APY in our database.

Spread model: The California 12-month CD average currently trades 1.19% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at CA CD Rates Today

Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.

CD Term CA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.430% $121.48 $242.96 $607.40 $1,214.80
6-Month CD 2.970% $148.49 $296.97 $742.43 $1,484.85
12-Month CD 3.187% $159.34 $318.68 $796.70 $1,593.40
18-Month CD 3.093% $154.64 $309.28 $773.20 $1,546.40
24-Month CD 2.989% $149.46 $298.92 $747.30 $1,494.60
36-Month CD 3.011% $150.57 $301.13 $752.82 $1,505.65
48-Month CD 3.060% $152.98 $305.97 $764.93 $1,529.85
60-Month CD 3.194% $159.69 $319.37 $798.43 $1,596.85
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 28, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Tustin, California Savers

$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit CA Avg APY Annual Earnings
1 3-Month CD $5,000 2.430% $121.48
2 6-Month CD $5,000 2.970% $148.49
3 12-Month CD $5,000 3.187% $159.34
4 24-Month CD $5,000 2.989% $149.46
5 36-Month CD $5,000 3.011% $150.57
Total ($25,000 invested) $25,000 2.917% blended $729.34/yr

Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
3,568
CD Rates
Tracked in Tustin, California
37 Banks 84 Credit Unions

About Our Tustin, California CD Rate Database

MonitorBankRates tracks 3,568 CD rates from 37 banks and 84 credit unions with locations in Tustin, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: SchoolsFirst Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Tustin, California.

How to Find the Best CD Rates in Tustin, California

What to compare when shopping for a CD in Tustin, California

To find the best APYs in Tustin, California, start with credit unions and online-only banks: Tustin, California has 84 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Tustin, California

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Tustin, California: 121 institutions here report CD rates

Consider an Alternative If…

Tustin, California Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
13.1%
National avg: 17.3%
Median Individual Earnings
$53,399
National avg: $47,340
Poverty Rate
9.9%
National avg: 11.1%
Unemployment Rate
5.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$170/yr
At CA 12-mo avg 3.187% APY

13.1% of residents are 65 or older, below the national average of 17.3%. At today’s CA 12-month CD average of 3.187%, saving 10% of the local median salary ($5,339/year) and putting it in a CD would earn an additional $170 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Tustin, California

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

CD Product Information

How CDs Work

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Tustin, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Tustin, California as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Tustin, California savers easier access to their funds. For example, SchoolsFirst Federal Credit Union is offering its 6-Month Promotional IRA Share Certificate at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SchoolsFirst Federal Credit Union is offering its 60 Month Deferred Compensation Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Tustin, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Tustin, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates

Most CDs carry a fixed rate that is locked for the entire term, protecting a Tustin, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Tustin, California

What are CD rates in Tustin, California today?

Tustin, California CD rates range from 0.02% to 5.90% APY as of October 28, 2026, verified by MonitorBankRates. Top rates include 4.50% APY at SchoolsFirst Federal Credit Union (60 Month Deferred Compensation Certificate), 4.25% at Citi (1 Year Fixed Rate CD) and 4.00% at CIT Bank (1-Year Term CD), compared with the MonitorBankRates national 12 month average of 3.00% APY.

Are CD rates in Tustin, California FDIC insured?

Yes, most established banks in Tustin, California are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Tustin, California?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Tustin, California.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Tustin, California may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Tustin, California?

Here are recent top rates found for this area:
  • SchoolsFirst Federal Credit Union: 4.50% APY (60 Month Deferred Compensation Certificate)
  • Citi: 4.25% APY (1 Year Fixed Rate CD)
  • CIT Bank: 4.00% APY (1-Year Term CD)
  • Kinecta Federal Credit Union: 3.70% APY (5 Year Regular & Jumbo Certificates (Personal) - Jumbo)
  • F&M Bank of Long Beach: 2.78% APY (Certificate of Deposit - 18 months)
  • First Citizens Bank: 2.00% APY (12 Month Certificate of Deposit)
  • Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
  • BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
  • Schools Federal Credit Union: 5.90% APY (12 Month Relationship Certificate)
  • Sage Credit Union: 5.00% APY (12 Month Pathfinder Term Share Certificate)
Rates reflect recent verified offers available in Tustin, California. Last Updated: October 28, 2026

Tustin, California CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Tustin, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Tustin, California CD Rates by Term

Verified October 28, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Tustin, California. Averages shown use the California state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Tustin, California

Tustin, California CD Calculator

At today’s CA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Tustin, California CD Ladder

CA CD rates currently range from 2.430% (3-month) to 3.011% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Tustin, California CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

California’s average 12-month CD is 3.187% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tustin, California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Tustin, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Tustin, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 28, 2026

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