Highest CD Rates in California
276 California-specific CD products
The California market
California accounts
276
Institutions
23
Top California APY
4.48% APY
Nationally: 5.00% APY
FDIC national average
1.73%
As of Sep 2026
276 CDs are open only to California residents, from 23 institutions. The highest advertised APY among them is 4.48%.
The highest nationally available rate is 5.00% APY, 52 basis points above the California leader.
169 of the 276 California CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
California-Specific CD Rates
CD rates specifically available to California residents. Business, youth and IRA CDs are not included.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.48%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #2 | 4.45%APY Observed: Oct 13, 2026 Branches: Yes | $250,000.01 | ||
| #3 | 4.38%APY Observed: Oct 13, 2026 Branches: Yes | $20,000 | ||
| #4 | 4.38%APY Observed: Oct 13, 2026 Branches: Yes | $50,000 | ||
| #5 | 4.35%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #6 | 4.35%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #7 | 4.35%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #8 | 4.35%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #9 | 4.28%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #10 | 4.28%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #11 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #12 | 4.25%APY Observed: Oct 13, 2026 Branches: Yes | $250,000.01 | ||
| #13 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #14 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #15 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #16 | 4.25%APY That 4.25% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #17 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #18 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #19 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #20 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #21 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #22 | 4.20%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #23 | 4.20%APY That 4.20% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #24 | 4.20%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #25 | 4.18%APY Observed: Oct 13, 2026 Branches: Yes | $20,000 | ||
| #26 | 4.18%APY Observed: Oct 13, 2026 Branches: Yes | $50,000 | ||
| #27 | 4.17%APY Observed: Oct 13, 2026 Branches: Yes | $250,000.01 | ||
| #28 | 4.10%APY Observed: Oct 13, 2026 Branches: Yes | $20,000 | ||
| #29 | 4.10%APY Observed: Oct 13, 2026 Branches: Yes | $50,000 | ||
| #30 | 4.08%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #31 | 4.08%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #32 | Up to4.07%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #33 | Up to4.07%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #34 | 4.05%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #35 | 4.05%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #36 | 4.05%APY Observed: Oct 13, 2026 Branches: Yes | $250,000.01 | ||
| #37 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #38 | Up to4.00%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #39 | 4.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #40 | 4.00%APY Observed: Oct 13, 2026 Branches: Yes | $20,000 | ||
| #41 | 4.00%APY Observed: Oct 13, 2026 Branches: Yes | $50,000 | ||
| #42 | 4.00%APY Observed: Oct 13, 2026 Branches: Yes | $100,000 | ||
| #43 | 4.00%APY Observed: Oct 13, 2026 Branches: Yes | $250,000.01 | ||
| #44 | 4.00%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #45 | Up to3.97%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #46 | Up to3.97%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 3.95%APY Observed: Oct 13, 2026 Branches: Yes | $10,000 | ||
| #48 | 3.90%APY Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #49 | 3.90%APY Observed: Oct 13, 2026 Branches: Yes | $20,000 | ||
| #50 | 3.90%APY Observed: Oct 13, 2026 Branches: Yes | $50,000 |
$100,000
Yes
$250,000.01
Yes
$20,000
Yes
$50,000
Yes
$10,000
Yes
$10,000
Yes
$10,000
Yes
$10,000
Yes
$10,000
Yes
$100,000
Yes
$1,000
Yes
$250,000.01
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
That 4.25% is a promotional rate.
$500
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$100,000
Yes
That 4.20% is a promotional rate.
$500
Yes
$1,000
Yes
$20,000
Yes
$50,000
Yes
$250,000.01
Yes
$20,000
Yes
$50,000
Yes
$10,000
Yes
$100,000
Yes
Needs at least $100,000
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$10,000
Yes
$1,000
Yes
$250,000.01
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$20,000
Yes
$50,000
Yes
$100,000
Yes
$250,000.01
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$10,000
Yes
$1,000
Yes
$20,000
Yes
$50,000
Yes
Nationally Available CD Rates
The 8 highest CD rates available nationwide, including in California.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 60 Months60 months | 5.00% |
| Popular Direct | 48 Months48 months | 4.95% |
| Popular Direct | 36 Months36 months | 4.85% |
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Bread Savings | 18-Month CD18 months | 4.75% |
| Barclays | 24-Month CD24 months | 4.75% |
| Barclays | 60-Month CD60 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |