California

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San Clemente, California CD Rates – 18-Month

You are viewing rates from banks across San Clemente





Below are eighteen-month Certificates of Deposit (CD) rates from banks in San Clemente, California . Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

San Clemente, CA - July 16, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Rate History: 3.44% → 3.29% → 4.00% → 3.29% → 4.10%

Rate History: 4.35% → 4.25% → 4.20% → 3.75%

Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 4.65% → 4.25% → 3.50% → 3.00% → 2.75%

Rate History: 3.05% → 2.53%

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| Mar 2, 2019

does require us citizenship? Read More

| Jan 29, 2019

The Bank does not have this product. Read More

0.65%

$100,000

20.27

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0.65%

$100,000

20.55

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0.55%

$10,000

21.02

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| Mar 2, 2019

does require us citizenship? Read More

| Dec 6, 2018

I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More

0.40%

$100,000

21.11

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0.40%

$10,000

23.94

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0.40%

$100,000

21.68

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0.35%

$10,000

21.11

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0.35%

$10,000

21.68

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0.35%

$100,000

22.96

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0.30%

$10,000

20.27

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0.30%

$10,000

22.96

Learn More

| Mar 10, 2021

I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More

0.20%

$10,000

20.55

Learn More

| Aug 25, 2021

I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More

Rate History: 0.10% → 0.02% → 0.10% → 0.02%

| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around San Clemente, CA - July 16, 2025


Branch Street City State
State Bank of India (California)
State Bank Of India (California) Branch
2827 Park Avenue, Suite 10a Tustin CA
Monet Bank
Irvine Branch
5600 Michelson Drive, Suite 140 Irvine CA
Citibank, National Association
Citibank, National Association Branch
20981 Magnolia Street Huntington Beach CA
Wells Fargo Bank, National Association
Landmark Plaza Branch
8955 Atlanta Avenue Huntington Beach CA
HomeStreet Bank
Irvine Branch
17901 Von Karman Avenue, Suite 100 Irvine CA
Zions Bank
Zb, National Association Branch
3420 Bristol Street Costa Mesa CA
JPMorgan Chase Bank, National Association
Atlanta And Magnolia Branch
20972 Magnolia Street Huntington Beach CA
PCB Bank
Irvine Branch
13140 Yale Avenue Irvine CA
First Credit Bank
First Credit Bank Branch
18552 Macarthur Boulevard, Suite 102 Irvine CA
Commonwealth Business Bank
Irvine Center Branch
9120 Irvine Center Drive, #100 Irvine CA
First General Bank
Irvine Branch
5404 C Walnut Avenue Irvine CA
Mega Bank
Irvine Branch
3996 Barranca Pkwy Suite 100 Irvine CA
SMBC MANUBANK
Orange County Branch
1301 Dove Street Newport Beach CA
First Credit Bank
First Credit Bank Branch
18552 Macarthur Boulevard, Suite 102 Irvine CA
Mechanics Bank
Newport Beach Branch
610 Newport Center Drive, Suite 100 Newport Beach CA
Citizens Business Bank
Newport Beach Commercial Banking Cen Branch
1401 Dove St. Newport Beach CA
Tustin Community Bank
Tustin Community Bank Branch
13891 Newport Avenue, Suites 100 & 130 Tustin CA
CalPrivate Bank
San Diego Private Bank Branch
18552 Macarthur Blvd, Suite220 Irvine CA
Citizens Business Bank
Newport Beach Commercial Banking Cen Branch
1401 Dove St. Newport Beach CA
CalPrivate Bank
San Diego Private Bank Branch
18552 Macarthur Blvd, Suite220 Irvine CA
Commercial Bank of California
Orange County Branch
575 Anton Blvd., Ste. 140 Costa Mesa CA
First General Bank
Irvine Branch
5404 C Walnut Avenue Irvine CA
Commercial Bank of California
Orange County Branch
575 Anton Blvd., Ste. 140 Costa Mesa CA
Shinhan Bank America
Irvine Branch
2730 Alton Parkway Irvine CA
Mega Bank
Irvine Branch
3996 Barranca Pkwy Suite 100 Irvine CA
Umpqua Bank
Newport Beach Branch
4040 Macarthur Boulevard, Suite 100 Newport Beach CA
First Bank
Costa Mesa Branch
3001 Harbor Boulevard, Suite C Costa Mesa CA
Umpqua Bank
Newport Beach Branch
4040 Macarthur Boulevard, Suite 100 Newport Beach CA
First-Citizens Bank & Trust Company
Newport Beach Branch
1201 Dove Street Newport Beach CA


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

  • A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
  • A fixed rate during the 18 month period.
  • FDIC insurance.
  • Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

  • Rates are generally lower than on the top online savings and CD accounts.
  • Money is tied up for 18 months. Removing it early results in significant penalties.
  • Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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