CD Rates Washington, California (CA) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Washington, California CD rates include Premier One Credit UnionPremier One Credit Union5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633A+5.0 ★Texas Ratio: 1.63% offering 24-month IRA Traditional & Roth Share Certificates at 4.50% APY, American United Federal Credit UnionAmerican United Federal Credit Union500 Foothill Dr, Salt Lake City, UT 84148 0001A5.0 ★Texas Ratio: 7.60% offering HavenTM Certificate 12-month GoldStar? Membership at 4.25% APY, U S POSTAL SERVICEU S POSTAL SERVICE7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730A+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, CBC Federal Credit UnionCBC Federal Credit Union300 Arneill Rd, Camarillo, CA 93010A+5.0 ★Texas Ratio: 4.13% offering 1-Year IRA Term Share Certificates at 4.25% APY, and Central Valley Firefighters Credit UnionCentral Valley Firefighters Credit Union5300 N FRESNO ST, FRESNO, CA 93710 6828A+5.0 ★Texas Ratio: 1.68% offering IRA - 12 Month Certificate at 4.12% APY.
To help you find the best CD rates in Washington, California, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 20, 2026
Washington, CA CD Rate Trends
Compare local Washington, CA CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — CA Avg
2.256%
▼ 0.852 from last week
California 12-month CD rates fell 0.852 points this week to 2.256% APY, down from 3.108% last week.
6-Month CD — CA Avg
1.485%
▼ 1.037 from last week
California 6-month CD rates fell 1.037 points this week to 1.485% APY, down from 2.522% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in Washington, California & the Surrounding Area
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
87 W Alexander Ave, Merced, CA 95348 3404
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No minimum deposit.
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
330 5th Ave, New York, NY 10001
WooriWON 3-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Online Only
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month Certificate of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
3 Month Term Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMar 20, 2026
Details
Minimum to Open $1,000.00
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month GoldStar? Membership Certificate
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 6-month GoldStar? Membership
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month Certificate
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 6-month
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 N Elm St, Waxahachie, TX 75165
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
LA Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
177 E Colorado Blvd Ste 900, Pasadena, CA 91105 1983
6-Month Certificate
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 14, 2026
Details
new funds (defined as money not currently on deposit with (CU SoCal); and funds must be received by March 26, 2026.
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
6 Month Savings Certificate
$250,000
4.00%
▼
Rate3.92%
Min Deposit$250,000
Min Balance—
UpdatedMar 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate of Deposit (IRA)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
6 Month Certificates of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
6 month Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 6 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Jumbo 6 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
Institution
Product
Min Deposit
APY
Profile
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
300 Arneill Rd, Camarillo, CA 93010
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of March 1, 2026. $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
12-month GoldStar? Membership Certificate
$5
4.25%
▼
Rate4.17%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 12-month GoldStar? Membership
$5
4.25%
▼
Rate4.17%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
12-month Certificate
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 12-month
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5300 N FRESNO ST, FRESNO, CA 93710 6828
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
1 year Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
1-Year Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
LA Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
177 E Colorado Blvd Ste 900, Pasadena, CA 91105 1983
12-Month Certificate
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 14, 2026
Details
new funds (defined as money not currently on deposit with (CU SoCal); and funds must be received by March 26, 2026.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3955 W DUBLIN GRANVILLE RD, DUBLIN, OH 43017
IRA Share Certificates 12 Month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month GoldStar? Membership Certificate
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 18-month GoldStar? Membership
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month Certificate
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 18-month
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA 90089
18-Month IRA Certificate
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
New Money Only. Available as a Traditional or Roth IRA.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 18 month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Jumbo 18 month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 18 month
$50,000
3.85%
▼
Rate3.78%
Min Deposit$50,000
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Gold Minimum 18 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Silver Minimum 18 month
$20,000
3.80%
▼
Rate3.73%
Min Deposit$20,000
Min Balance—
UpdatedMar 14, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Silver Minimum 18 month
$20,000
3.80%
▼
Rate3.73%
Min Deposit$20,000
Min Balance—
UpdatedMar 14, 2026
Details
$20,000
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
24-month GoldStar? Membership Certificate
$5
4.05%
▼
Rate3.98%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 24-month GoldStar? Membership
$5
4.05%
▼
Rate3.98%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
24-month Certificate
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 24-month
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2580 W Shaw Ln, Fresno, CA 93711 2778
1-2 Year Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 24 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Jumbo 24 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 24 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
36-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 36-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
36-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 36-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 36 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Jumbo 36 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 36 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Gold Minimum 36 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1562 S Bascom Ave, San Jose, CA 95125 6108
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 48-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 48-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 48 Month CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 48 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Jumbo 48 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 48 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
48 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
48 Month CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1562 S Bascom Ave, San Jose, CA 95125 6108
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1562 S Bascom Ave, San Jose, CA 95125 6108
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
60-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 60-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
60 MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
60 MONTH IRA CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo Certificates 60 Month
$50,000
4.00%
▼
Rate3.92%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo IRA Certificate 60 Month
$50,000
4.00%
▼
Rate3.92%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 60 month
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frequently Asked Questions about CD Rates in Washington, California
Are CD rates in Washington, California FDIC insured?
Yes, most established banks in Washington, 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 Washington, 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 Washington, 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 Washington, 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 Washington, California?
Here are recent top rates found for this area:
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- American United Federal Credit Union: 4.25% APY (12-month GoldStar? Membership Certificate)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
- Central Valley Firefighters Credit Union: 4.12% APY (IRA - 12 Month Certificate)
- F&A Federal Credit Union: 4.10% APY (1 year Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- Citizens National Bank of Texas: 4.04% APY (6 month CDs)
- USC Credit Union: 4.00% APY (18-Month IRA Certificate)
- Vision One Credit Union: 4.00% APY (6 Month Savings Certificate)
Rates reflect recent verified offers available in Washington, California. Last Updated: March 20, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Washington, 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 pulling data straight 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 Washington, 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: March 20, 2026
