--- title: "California Credit Union CD Rates" description: "Best observed APY: 4.15% at Skyone Credit Union across 12 credit unions. Compare cd rates from California credit unions using published credit union APY, median yield, market spread, and observation counts. APY is yield, not loan APR. No affiliate ranking." canonical: "https://rateapi.dev/cd-rates/california" last-updated: "2026-10-09" source: "https://rateapi.dev/llms.txt" --- # California Credit Union CD Rates Published credit union deposit data # California Credit Union CD Rates — up to 4.15% APY, October 2026 Compare current credit union certificate of deposit APY with nationwide, state, and term-aware benchmarks. Get a Free API Key [Deposit rate API](https://rateapi.dev/deposit-rates) Deposits quote APY, not APR. Higher APY earns more, but eligibility, balance tiers, fees, and withdrawal terms still matter. [Home](https://rateapi.dev/) [Deposit Rates](https://rateapi.dev/deposit-rates) [CD Rates](https://rateapi.dev/cd-rates) California Live proprietary benchmark ## What published credit union APYs show now Higher is better for deposit APY. Counts are qualifying published observations, not account recommendations or affiliate offers. Best observed APY **4.15%** Highest qualifying published yield Median APY **3.05%** Middle observed rate Market spread **315 bps** 1.00% to 4.15% Credit unions **12** Institutions in this aggregate Rate observations **82** Qualifying published rows Data timestamp: Oct 9, 2026, 1:04 PM UTC . [See the collection and ranking methodology](https://rateapi.dev/methodology) . How to read this page ## CD Rates from California credit unions are compared by APY A certificate of deposit locks funds for a stated term in exchange for a fixed yield. Credit unions may offer a similar product called a share certificate, but this live aggregate is deliberately limited to rows classified exactly as CDs. The term pages never blend unlike maturities. This page groups rates by institutions whose recorded home state is **California** . It does not assert that every account is available statewide; membership and account eligibility still vary by institution. ## Compare beyond headline APY - Confirm membership and geography eligibility. - Check minimum and maximum balance tiers. - For CDs, compare early-withdrawal penalties and renewal rules. - Separate promotional APY from the standard ongoing yield. Explore the deposit market ## Compare products without mixing unlike yields [**CD Rates from California credit unions** Compare current credit union certificate of deposit APY with nationwide, state, and term-aware benchmarks.](https://rateapi.dev/cd-rates/california) [**Savings Rates from California credit unions** Compare current credit union savings APY with nationwide and state-level market benchmarks.](https://rateapi.dev/savings-rates/california) [**Money Market Rates from California credit unions** Compare current credit union money market APY with nationwide and state-level market benchmarks.](https://rateapi.dev/money-market-rates/california) [12-Month CDs](https://rateapi.dev/cd-rates/terms/12-month) [24-Month CDs](https://rateapi.dev/cd-rates/terms/24-month) [36-Month CDs](https://rateapi.dev/cd-rates/terms/36-month) [60-Month CDs](https://rateapi.dev/cd-rates/terms/60-month) [Los Angeles CD rates](https://rateapi.dev/cd-rates/california/los-angeles) [San Diego CD rates](https://rateapi.dev/cd-rates/california/san-diego) [San Jose CD rates](https://rateapi.dev/cd-rates/california/san-jose) [San Francisco CD rates](https://rateapi.dev/cd-rates/california/san-francisco) [Fresno CD rates](https://rateapi.dev/cd-rates/california/fresno) [Sacramento CD rates](https://rateapi.dev/cd-rates/california/sacramento) [Long Beach CD rates](https://rateapi.dev/cd-rates/california/long-beach) [Oakland CD rates](https://rateapi.dev/cd-rates/california/oakland) [Burbank CD rates](https://rateapi.dev/cd-rates/california/burbank) [Pasadena CD rates](https://rateapi.dev/cd-rates/california/pasadena) [Bakersfield CD rates](https://rateapi.dev/cd-rates/california/bakersfield) [Concord CD rates](https://rateapi.dev/cd-rates/california/concord) [Santa Ana CD rates](https://rateapi.dev/cd-rates/california/santa-ana) [Torrance CD rates](https://rateapi.dev/cd-rates/california/torrance) [Antioch CD rates](https://rateapi.dev/cd-rates/california/antioch) [Glendale CD rates](https://rateapi.dev/cd-rates/california/glendale) [Martinez CD rates](https://rateapi.dev/cd-rates/california/martinez) [Modesto CD rates](https://rateapi.dev/cd-rates/california/modesto) [Ontario CD rates](https://rateapi.dev/cd-rates/california/ontario) [Redwood City CD rates](https://rateapi.dev/cd-rates/california/redwood-city) [Santa Rosa CD rates](https://rateapi.dev/cd-rates/california/santa-rosa) [Brea CD rates](https://rateapi.dev/cd-rates/california/brea) [Downey CD rates](https://rateapi.dev/cd-rates/california/downey) [El Cajon CD rates](https://rateapi.dev/cd-rates/california/el-cajon) [El Centro CD rates](https://rateapi.dev/cd-rates/california/el-centro) [El Monte CD rates](https://rateapi.dev/cd-rates/california/el-monte) [Eureka CD rates](https://rateapi.dev/cd-rates/california/eureka) [Fontana CD rates](https://rateapi.dev/cd-rates/california/fontana) [Gardena CD rates](https://rateapi.dev/cd-rates/california/gardena) [Hanford CD rates](https://rateapi.dev/cd-rates/california/hanford) [Huntington Beac CD rates](https://rateapi.dev/cd-rates/california/huntington-beac) [Merced CD rates](https://rateapi.dev/cd-rates/california/merced) [Richmond CD rates](https://rateapi.dev/cd-rates/california/richmond) [Ridgecrest CD rates](https://rateapi.dev/cd-rates/california/ridgecrest) [San Luis Obispo CD rates](https://rateapi.dev/cd-rates/california/san-luis-obispo) [Santa Barbara CD rates](https://rateapi.dev/cd-rates/california/santa-barbara) [Valencia CD rates](https://rateapi.dev/cd-rates/california/valencia) [Ventura CD rates](https://rateapi.dev/cd-rates/california/ventura) [Anaheim CD rates](https://rateapi.dev/cd-rates/california/anaheim) [Riverside CD rates](https://rateapi.dev/cd-rates/california/riverside) [Stockton CD rates](https://rateapi.dev/cd-rates/california/stockton) [Irvine CD rates](https://rateapi.dev/cd-rates/california/irvine) [Chula Vista CD rates](https://rateapi.dev/cd-rates/california/chula-vista) [Fremont CD rates](https://rateapi.dev/cd-rates/california/fremont) [Santa Clarita CD rates](https://rateapi.dev/cd-rates/california/santa-clarita) [San Bernardino CD rates](https://rateapi.dev/cd-rates/california/san-bernardino) [Oxnard CD rates](https://rateapi.dev/cd-rates/california/oxnard) [Huntington Beach CD rates](https://rateapi.dev/cd-rates/california/huntington-beach) [Elk Grove CD rates](https://rateapi.dev/cd-rates/california/elk-grove) [Rancho Cucamonga CD rates](https://rateapi.dev/cd-rates/california/rancho-cucamonga) [Oceanside CD rates](https://rateapi.dev/cd-rates/california/oceanside) [Palmdale CD rates](https://rateapi.dev/cd-rates/california/palmdale) [Hayward CD rates](https://rateapi.dev/cd-rates/california/hayward) [Pomona CD rates](https://rateapi.dev/cd-rates/california/pomona) [Escondido CD rates](https://rateapi.dev/cd-rates/california/escondido) [Sunnyvale CD rates](https://rateapi.dev/cd-rates/california/sunnyvale) [Fullerton CD rates](https://rateapi.dev/cd-rates/california/fullerton) [Orange CD rates](https://rateapi.dev/cd-rates/california/orange) [Roseville CD rates](https://rateapi.dev/cd-rates/california/roseville) [Visalia CD rates](https://rateapi.dev/cd-rates/california/visalia) [Simi Valley CD rates](https://rateapi.dev/cd-rates/california/simi-valley) [Santa Clara CD rates](https://rateapi.dev/cd-rates/california/santa-clara) [Victorville CD rates](https://rateapi.dev/cd-rates/california/victorville) [Berkeley CD rates](https://rateapi.dev/cd-rates/california/berkeley) [Costa Mesa CD rates](https://rateapi.dev/cd-rates/california/costa-mesa) [Fairfield CD rates](https://rateapi.dev/cd-rates/california/fairfield) [West Covina CD rates](https://rateapi.dev/cd-rates/california/west-covina) [Daly City CD rates](https://rateapi.dev/cd-rates/california/daly-city) [Rialto CD rates](https://rateapi.dev/cd-rates/california/rialto) [Santa Maria CD rates](https://rateapi.dev/cd-rates/california/santa-maria) [Clovis CD rates](https://rateapi.dev/cd-rates/california/clovis) [Vacaville CD rates](https://rateapi.dev/cd-rates/california/vacaville) [Carson CD rates](https://rateapi.dev/cd-rates/california/carson) [Chico CD rates](https://rateapi.dev/cd-rates/california/chico) [San Marcos CD rates](https://rateapi.dev/cd-rates/california/san-marcos) [Hawthorne CD rates](https://rateapi.dev/cd-rates/california/hawthorne) [Citrus Heights CD rates](https://rateapi.dev/cd-rates/california/citrus-heights) [Tracy CD rates](https://rateapi.dev/cd-rates/california/tracy) [Livermore CD rates](https://rateapi.dev/cd-rates/california/livermore) [Buena Park CD rates](https://rateapi.dev/cd-rates/california/buena-park) [Lakewood CD rates](https://rateapi.dev/cd-rates/california/lakewood) [Chino CD rates](https://rateapi.dev/cd-rates/california/chino) [Indio CD rates](https://rateapi.dev/cd-rates/california/indio) National context ## National CD rate context Zoom out from state and term pages to the national picture and our cross-product benchmark. Current CD Rates → Today's CD and share certificate APYs across US credit unions. Credit Union Rate Index → The national benchmark tracking credit union rates across every product we cover. Credit Union vs Bank CD Rates → Live credit union CD medians against FDIC national bank averages. Methodology ## Evidence first, no invented rates The live module comes from benchmark mode on `POST /v1/deposit-rates` . RateAPI validates the returned product, state, and term against the requested page, requires a real upstream `as_of` timestamp, and withholds the module when the aggregate is empty, thin, malformed, or unavailable. Generic savings benchmarks compare tiers applicable at a $10,000 balance and keep explicitly restricted or specialty/seasonal products out of headline rankings while retaining them as contextual listings. Read the full [RateAPI methodology](https://rateapi.dev/methodology) or inspect the [deposit API contract](https://rateapi.dev/deposit-rates) . FAQ ## Questions about CD Rates from California credit unions It summarizes published credit union certificate of deposit APY that passes RateAPI's current-data and product-category filters. The live module reports the highest APY, median APY, full observed spread, rate-row count, institution count, and upstream data timestamp. Deposit accounts quote APY, or annual percentage yield, which includes compounding. APR describes borrowing cost. RateAPI never relabels a deposit yield as loan APR. No. APY is one comparison input. Minimum balance, membership eligibility, term, withdrawal limits, early-withdrawal penalties, tiers, and promotional conditions can change whether an account fits a saver. What does the CD Rates from California credit unions benchmark measure? Are cd rates quoted as APY or APR? Does the highest APY mean the account is best for everyone? RateAPI RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence. [Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev) ### Build - [RateAPI Routes →](https://rateapi.dev/routes) - [Product Matching API](https://rateapi.dev/financial-product-eligibility-api) - [Membership Eligibility API](https://rateapi.dev/api/eligibility) - [Rate Query API](https://rateapi.dev/rates-api) - [Decision API](https://rateapi.dev/api/reference) - [Batch Decisions API](https://rateapi.dev/api/batch-decisions) ### Deliver - [Developer Portal →](https://rateapi.dev/developers) - [Create a free API key](https://rateapi.dev/api-key) - [REST API docs](https://api.rateapi.dev/) - [OpenAPI spec](https://api.rateapi.dev/openapi.json) - [MCP Server](https://rateapi.dev/mcp) - [Widget builder](https://rateapi.dev/widget-builder) - [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes) - [Market Rates widget](https://rateapi.dev/widget-docs/rates) - [Webhooks](https://api.rateapi.dev/webhooks) - [Versioning & deprecation](https://rateapi.dev/deprecation-policy) - [GitHub](https://github.com/rate-api) ### Solutions - [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps) - [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools) - [AI agents](https://rateapi.dev/use-cases/ai-agents) - [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms) - [Credit unions](https://rateapi.dev/for-credit-unions) - [Loan officers](https://rateapi.dev/use-cases/loan-officers) - [Rate data for ALM](https://rateapi.dev/alm-rate-data) ### Trust - [Data coverage](https://rateapi.dev/data-coverage) - [Rate methodology](https://rateapi.dev/methodology) - [Eligibility methodology](https://rateapi.dev/eligibility-methodology) - [Transparency](https://rateapi.dev/transparency) - [Independence](https://rateapi.dev/independence) - [Corrections](https://rateapi.dev/corrections) - [Pricing](https://rateapi.dev/pricing) - [About](https://rateapi.dev/about) - [Contact](https://rateapi.dev/contact) - Talk to a human ### Inspect the data behind the API Public data explorer - [Current mortgage rates](https://rateapi.dev/current-mortgage-rates) - [Current auto rates](https://rateapi.dev/current-auto-loan-rates) - [Current CD rates](https://rateapi.dev/current-cd-rates) - [Current HELOC rates](https://rateapi.dev/current-heloc-rates) - [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates) - [Mortgage rates](https://rateapi.dev/mortgage-rates) - [Refinance rates](https://rateapi.dev/refinance-rates) - [Auto loan rates](https://rateapi.dev/auto-loan-rates) - [RV loan rates](https://rateapi.dev/rv-loan-rates) - [Boat rates](https://rateapi.dev/boat-loan-rates) - [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates) - [HELOC rates](https://rateapi.dev/heloc-rates) - [Personal loan rates](https://rateapi.dev/personal-loan-rates) - [Credit card rates](https://rateapi.dev/credit-card-rates) - [Deposit rates](https://rateapi.dev/deposit-rates) - [CD rates](https://rateapi.dev/cd-rates) - [Savings rates](https://rateapi.dev/savings-rates) - [Money market rates](https://rateapi.dev/money-market-rates) - [Credit union directory](https://rateapi.dev/credit-unions) - [Who can join](https://rateapi.dev/who-can-join) - [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark) - [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark) - [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark) - [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark) - [CD benchmark](https://rateapi.dev/cd-rate-benchmark) - [Credit union rate index](https://rateapi.dev/credit-union-rate-index) - [Deposit beta](https://rateapi.dev/deposit-beta) - [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates) - [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates) - [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates) - [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates) - [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis) - [Rate datasets](https://rateapi.dev/credit-union-rate-dataset) © 2026 RateAPI · US credit unions only · Published pricing is not approval. [Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt) --- Source: https://rateapi.dev/cd-rates/california Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp