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The average one-year CD rate actually moved up a basis point in our most recent survey -- a basis point is one-hundredth of a percentage point. It's now at 0.3 percent. Fortunately, there are several lenders offering much better yields. Use our research to find the best CD rates in Sacramento, CA, and in other areas of California.
Insured up to $250,000 per depositor per bank, certificates of deposit are safe investments. Just make sure to create a budget before you invest -- most institutions have stiff penalties for withdrawing your money early. Use our research to find CD rates in Sacramento, CA.
CD rates in Sacramento, California
Here are the one-year CD rates in Sacramento, CA, as of 10:00 a.m.
| Institution | APY | Min Deposit |
| Ally | 1.05% | $0 |
| ableBanking | 1.12% | $1,000 |
| NexBank | 1.05% | $10,000 |
| Beal Bank USA | 1.01% | $1,000 |
| UnionBank | 0.3% | $350 |
| Bank of the West | 0.25% | $1,000 |
| Citibank | 0.25% | $1,000 |
| El Dorado Savings Bank | 0.25% | $500 |
| Bank of America | 0.2% | $1,000 |
| Chase Bank | 0.15% | $1,000 |
| First Northern Bank of Dixon | 0.1% | $500 |
| U.S. Bank | 0.1% | $500 |
| Wells Fargo Bank | 0.05% | $2,500 |
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