Search and compare California CD rates from banks and credit unions. Our CD interest rate tables for California include 3 month, 6 month, 12 month, 18 month, 24 month, 36 month, 48 month and 60 month rates. You can search for the best CD rates in California. MonitorBankRates also offers a free CD Calculator and CD Ladder Calculator.
Partners Federal Credit Union has a Traditional/Roth IRA Jumbo Certificate 24-Month available at 3.70% APY. Current rates from Northrop Grumman Federal Credit Union include a IRA Savings 12 Month at 3.74% APY. For those in California, EverBank lists a Business CDs 6 month at 3.70%. Premier One Credit Union is offering a 18-month IRA Traditional & Roth Share Certificates in California with an APY of 3.75%.
Find the best CD rates in California today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a short-term certificate or a long-term investment in CA, comparing APYs is the best way to maximize your earnings.
Rates reflect recent market quotes and representative offers available to depositors in California and the surrounding area. Last Updated and Verified: March 10, 2026
Minimum to Open $1,000.00
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$2,500
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$100,000 and over
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$1,000 - 99,999
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Minimum to open & earn dividends: $100,000
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Early withdrawal penalties may apply
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Annual Percentage Yield (APY) is based on an minimum deposit of $1,000. APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
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Online only
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Earn 3.50% APY on balances of $500 or more.
$100,000 Minimum to Earn APY
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Minimum to open & earn dividends: $100,000
$1,000 Min.
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$1,000 - 99,999
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Quarterly
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Early withdrawal penalties may apply
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Online only
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$100,000+
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$80,000
Compound Quarterly
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$1,000 Min.
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You must maintain a minimum daily balance of $25 with a maximum of $10,000 in the account to obtain the Annual Percentage Yield and to avoid closure. You may make additional deposits of any amount at any time during the term of your certificate. You may take one (1) penalty-free withdrawal during the term of the certificate. If you exceed the withdrawal limitations, your account will be subject to a penalty. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned, and unearned dividends with a maximum of 180. Accounts will mature as reflected on the Share Certificate and Account Agreement.
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Early withdrawal penalties may apply
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$100,000 Minimum to Earn APY
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$100,000+
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Minimum to open & earn dividends: $100,000
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$1,000 Min.
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$50,000.00 & over
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$100
$100,000 Minimum to Earn APY
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Minimum to open & earn dividends: $100,000
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Minimum to Open $1,000.00
$1,000 - 99,999
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$1,000 Min.
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$1,000.00 - $9,999.99
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$100
$100,000+
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Minimum to open & earn dividends: $50,000
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Minimum to Open $1,000.00
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$1,000 Min.
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$1,000.00 - $9,999.99
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Minimum to open & earn dividends: $100,000
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Minimum to Open $1,000.00
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$500 minimum balance required; No monthly fee
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$1,000 Min.
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$1,000.00 - $9,999.99
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Jumbo CD rates in California are usually higher than standard California CD rates because they require a larger opening deposit. While regular CDs can often be opened with minimal funds, California jumbo certificates of deposit typically require a minimum opening balance of $100,000. Banks and credit unions in California and the surrounding area reward this larger commitment with premium CD rates that can significantly outperform standard savings or money market accounts. When opening these larger accounts, it is important to verify that your funds remain within FDIC or NCUA limits to ensure your principal is fully insured.
When comparing California CD rates from credit unions make sure to choose a California credit union that has deposits insured by the National Credit Union Administration (NCUA). This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a credit union failure.