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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Santa Clara
Below are eighteen-month Certificates of Deposit (CD) rates from banks in Santa Clara, 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.
Santa Clara, CA - August 2, 2025
18 Month CD National Average : 0.58% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.20% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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4.15% |
$500 |
- |
Learn More
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AEM | Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More |
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4.10% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 270 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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4.10% |
$1,000 |
14.22 |
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Rate History: 3.44% → 3.29% → 4.00% → 3.29% → 4.10% |
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4.10% |
$1,000 |
8.86 |
Learn More
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Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10% |
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kenbeckyreese@icloud.com | Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More |
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4.00% |
$1,000 |
- |
Learn More
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Early Withdrawal Penalty is 90 days interest. |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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3.80% |
$2,500 |
- |
Learn More
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Earty Withdrawal Penalty is 180 days interest. |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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3.80% |
$500 |
- |
Learn More
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Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.75% |
$1,000 |
2.85 |
Learn More
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Rate History: 4.35% → 4.25% → 4.20% → 3.75% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.75% |
$1,000 |
6.65 |
Learn More
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Warning: Early withdrawal penalty is 3.00%. |
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denied_soft_credit_pull | Jan 10, 2024 Applied for the Joint 5.50% Hi Yield Savings special. (Note: some places reference it is guaranteed for 6 months, other parts of website only guarantee rate for 3 months). We applied and surprising denied ... Read More |
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3.75% |
$0 |
22.49 |
Learn More
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Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75% |
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Azoic | 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 |
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3.60% 0.30% |
$250,000 $1,000 |
2.65 |
Learn More
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Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.50% |
$5,000 |
23.85 |
Learn More
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Thy King | 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 |
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3.00% |
$1,000 |
- |
Learn More
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RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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2.53% |
$1,000 |
22.55 |
Learn More
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Rate History: 3.05% → 2.53% |
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2.00% |
$10,000 |
23.82 |
Learn More
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.75% 1.25% |
$100,000 $2,500 |
21.90 |
Learn More
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0.65% |
$100,000 |
1.37 |
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0.55% |
$10,000 |
2.32 |
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0.50% |
$10,000 |
1.37 |
Learn More
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0.45% |
$10,000 |
13.04 |
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0.40% |
$100,000 |
4.20 |
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0.40% |
$100,000 |
13.13 |
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0.35% |
$10,000 |
4.47 |
Learn More
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tomlynn | Apr 15, 2019 Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More |
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0.30% |
$10,000 |
4.20 |
Learn More
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0.30% |
$50,000 |
4.81 |
Learn More
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0.27% |
$10,000 |
13.13 |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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UtahJazz1 | Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More |
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0.19% |
$100,000 |
23.83 |
Learn More
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scott | Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More |
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0.15% |
$500 |
- |
Learn More
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The Duffster | May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More |
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0.15% 0.10% |
$1 $0 |
3.13 |
Learn More
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Austin | 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 |
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0.15% |
$1,000 |
4.27 |
Learn More
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0.15% |
$10,000 |
23.83 |
Learn More
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scott | Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More |
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0.10% |
$10,000 |
22.29 |
Learn More
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Bauhinia C | Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More |
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0.05% |
$500 |
20.95 |
Learn More
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.03% |
$100,000 |
22.87 |
Learn More
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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| Branch | Street | City | State |
|---|---|---|---|
|
State Bank of India (California) State Bank Of India (California) - F Branch |
39148 Paseo Padre Parkway | Fremont | CA |
|
Charles Schwab Bank, SSB Los Altos Branch |
301 S San Antonio Road | Los Altos | CA |
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Beal Bank USA San Jose Branch |
5180 Stevens Creek Boulevard, Suite 20 | San Jose | CA |
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Poppy Bank Milpitas Branch |
555 East Calaveras Boulevard | Milpitas | CA |
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Citibank, National Association San Mateo-Hillsdale Branch |
61 West Hillsdale Blvd | San Mateo | CA |
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Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
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Wells Fargo Bank, National Association Midtown San Mateo Branch |
12 17th Street | San Mateo | CA |
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Zions Bank Hayward Branch |
785 Southland Drive | Hayward | CA |
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JPMorgan Chase Bank, National Association San Mateo Branch |
1730 South El Camino Real | San Mateo | CA |
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Fremont Bank Www.Fremontbank.com Branch |
25151 Clawiter Rd | Hayward | CA |
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Fremont Bank Www.Fremontbank.com Branch |
25151 Clawiter Rd | Hayward | CA |
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Hanmi Bank Silicon Valley Branch |
2765 El Camino Real | Santa Clara | CA |
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SMBC MANUBANK San Jose Branch |
100 Century Center Court, Suite 205 | San Jose | CA |
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Hanmi Bank Silicon Valley Branch |
2765 El Camino Real | Santa Clara | CA |
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Western Alliance Bank Palo Alto Branch |
525 University Avenue | Palo Alto | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
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GBC International Bank San Jose Branch |
1688 Hostetter Road, Unit A-B | San Jose | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
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Cathay Bank Cupertino Branch |
10465 South De Anza Boulevard | Cupertino | CA |
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Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
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Westamerica Bank Pleasanton Branch |
5700 Stoneridge Mall, Suite 110 | Pleasanton | CA |
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Umpqua Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | CA |
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First Bank Campbell Branch |
790 East Campbell Avenue | Campbell | CA |
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Westamerica Bank Pleasanton Branch |
5700 Stoneridge Mall, Suite 110 | Pleasanton | CA |
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Umpqua Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | CA |
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East West Bank San Mateo Marina Plaza Branch |
2996a South Norfolk Street | San Mateo | CA |
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U.S. Bank National Association Belmont Branch |
910 Ralston Avenue | Belmont | CA |
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Bank of America, National Association Hillsdale Branch |
2900 South El Camino Real | San Mateo | CA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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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