Best 18-Month CD Rates in California, CA

You are viewing rates from banks across California

Below are eighteen-month Certificates of Deposit (CD) rates from banks in 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.

CA - August 4, 2025

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Community Commerce Bank Claremont Branch	4.49%	$10,000	-	Learn More
Rate History: 5.01% → 4.80% → 4.70% → 4.44% → 4.49%
samcasino \| Mar 5, 2021 The best rate on any CD or savings account is .40% Read More Reviews (2)
Prime Alliance Bank	4.20%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.00% → 4.20%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Bank5 Connect	4.15%	$500	-	Learn More Add Review
Available in all states except MA/RI.
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Merrick Bank	4.15%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.15% → 4.05% → 4.20% → 4.15%
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 Reviews (2)
Finworth, a division of InsBank Century City Loan Production Office Branch	4.15%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 8 months interest. Rate History: 3.75% → 3.85% → 4.30% → 4.20% → 4.15%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Valley Direct, a division of Valley National Bank	4.15%	$500	-	Learn More Add Review
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
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%
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
State Bank of India (California) San Diego Branch	4.10%	$1,000	-	Learn More Add Review
Rate History: 3.44% → 3.29% → 4.00% → 3.29% → 4.10%
Charles Schwab Bank, SSB Sunnyvale Branch	4.10%	$1,000	-	Learn More
Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
M.Y. Safra Bank	4.05%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.85%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.05%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.85% → 4.40% → 3.95% → 4.16% → 4.05%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Colorado Federal Savings Bank	4.05%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months Interest. Rate History: 4.75% → 4.45% → 4.05% → 3.95% → 4.05%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Rising Bank, a division of Midwest BankCentre	4.05%	$5,000	-	Learn More Add Review
One-time bump CD. Early Withdrawal Penalty is 180 days interest. Rate History: 3.90% → 4.15% → 3.95% → 4.20% → 4.05%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Goldman Sachs Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.90% → 4.10% → 4.00%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Limelight Bank, A division of Capital Community Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%
Savvysaver \| Jun 26, 2020 Rate not current Read More
CFG Bank	4.00%	$500	-	Learn More Add Review
Early Withdrawal penalty is 180 days interest. Rate History: 3.85% → 4.10% → 4.00% → 3.75% → 4.00%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
Bask Bank, a division of Texas Capital Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.20% → 4.00% → 3.90% → 4.00%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
First Internet Bank of Indiana	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days. Rate History: 4.72% → 4.57% → 4.15% → 4.00% → 3.90%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.87%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.85%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.35% → 3.85%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.80%	$2,500	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 3.80% → 4.00% → 3.80%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Earty Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%
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 Reviews (40)
Synchrony Bank	3.80%	$0	-	Learn More Add Review
Rate History: 5.25% → 4.50% → 4.25% → 4.10% → 3.80%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Vio Bank, A Division of MidFirst Bank	3.80%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bread Savings, a division of Bread Financial	3.80%	$1,500	-	Learn More Add Review
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.20% → 3.90% → 4.25% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Canadian Imperial Bank USA	3.76%	$1,000	-	Learn More Add Review
Rate History: 5.17% → 5.26% → 4.90% → 4.47% → 3.76%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Beal Bank San Diego Branch	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.35% → 4.25% → 4.20% → 3.75%
Beal Bank USA San Jose Branch	3.75%	$1,000	-	Learn More
Rate History: 4.35% → 4.25% → 4.20% → 3.75%
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 Reviews (3)
Poppy Bank Oakmont Branch	3.75%	$1,000	-	Learn More
Warning: Early withdrawal penalty is 3.00%. Rate History: 2.00% → 3.75%
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 Reviews (1)
Citibank, National Association West, National Association Branch	3.75%	$0	-	Learn More
Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%
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 Reviews (11)
Ally Bank	3.70%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.90% → 3.80% → 3.70%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One 360	3.70%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.70%	$0	-	Learn More
Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
TIAA Bank / Everbank	3.60%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 4.00% → 3.75% → 3.70% → 3.60%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Bank of Hope Fullerton Branch	3.60% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%
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 Reviews (1)
Salem Five Direct	3.50% 2.95%	$10,000 $500	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 12 months of interest Rate History: 0.55% → 4.50% → 4.75% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
LendingClub	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.75% → 4.40% → 3.75% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	3.50%	$5,000	-	Learn More
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 Reviews (7)
MainStreet Bank	3.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 9 months interest. Rate History: 3.25% → 3.00% → 3.25%
IncredibleBank	3.03%	$1,000	-	Learn More Add Review
• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings. Rate History: 0.25% → 0.15% → 3.82% → 3.03%
nonsense \| May 21, 2021 avoid this Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.00% → 4.50% → 4.25% → 3.25% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$1,000	-	Learn More Add Review
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
Habib American Bank Artesia Branch	3.00%	$1,500	-	Learn More
Rate History: 2.65% → 3.00%
Ryan \| Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More Reviews (2)
Dollar Savings Direct, a division of Emigrant Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.00% → 2.75%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
HomeStreet Bank Irvine Branch	2.75%	$500	-	Learn More Add Review
Rate History: 4.65% → 4.25% → 3.50% → 3.00% → 2.75%
Zions Bank San Marcos Branch	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
Chesapeake Bank	2.36%	$1,000	-	Learn More Add Review
Rate History: 0.85% → 1.25% → 2.60% → 2.36%
ruler009 \| May 26, 2017 Before009 Read More
JPMorgan Chase Bank, National Association San Francisco - Embarcadero Branch	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
American Plus Bank, N.A. American Plus Bank, N.A. Branch	1.85%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More
Rate History: 4.65% → 4.20% → 4.05% → 2.80% → 1.80%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Fremont Bank Newark Branch	1.75% 1.25%	$100,000 $2,500	-	Learn More Add Review
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
Hingham Savings	1.75%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.65%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 2.80% → 1.65%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
PCB Bank Downtown Fashion District Branch	1.51%	$1,000	-	Learn More Add Review
California International Bank, N.A. California International Bank, N.A. Branch	1.01%	$10,000	-	Learn More Add Review
Summit State Bank Summit State Bank Branch	1.00%	$10,000	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Balboa Thrift and Loan Association Balboa Thrift And Loan Association Branch	0.90%	$10,000	-	Learn More Add Review
First Credit Bank First Credit Bank Branch	0.85%	$100,000	-	Learn More
maris \| Mar 2, 2019 does require us citizenship? Read More Reviews (1)
First Western Trust Bank First Western Trust Bank Century Cit Branch	0.84%	$100,000	-	Learn More Add Review
Nano Banc Commerce Bank Of Temecula Valley Branch	0.80%	$100,000	-	Learn More Add Review
First Western Trust Bank First Western Trust Bank Century Cit Branch	0.79%	$10,000	-	Learn More Add Review
United Pacific Bank United Pacific Bank Branch	0.78%	$10,000	-	Learn More Add Review
Community Bank of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	0.75%	$100,000	-	Learn More Add Review
Open Bank Open Bank Branch	0.75%	$10,000	-	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.75%	$100,000	-	Learn More Add Review
First Federal Savings and Loan Association of San Rafael 6058 College Avenue Branch	0.70%	$10,000	-	Learn More Add Review
Wallis Bank Wall Street Branch	0.70%	$100,000	-	Learn More Add Review
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	0.65%	$100,000	-	Learn More Add Review
Golden Bank, National Association Tustin Branch	0.65%	$100,000	-	Learn More Add Review
US Metro Bank Us Metro Bank Branch	0.65%	$100,000	-	Learn More Add Review
American First National Bank Alhambra Branch	0.65%	$100,000	-	Learn More Add Review
Golden State Bank Brea Branch	0.65%	$100,000	-	Learn More Add Review
COMMONWEALTH BUSINESS BANK Irvine Center Branch	0.65%	$10,000	-	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
First General Bank San Gabriel Branch	0.65%	$100,000	-	Learn More Add Review
Mega Bank Mega Bank Branch	0.65%	$100,000	-	Learn More Add Review
Hanmi Bank Irvine Branch	0.65%	$100,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	0.65%	$100,000	-	Learn More Add Review
Home Bank of California Home Bank Of California Branch	0.60%	$10,000	-	Learn More Add Review
Wallis Bank Wall Street Branch	0.60%	$10,000	-	Learn More Add Review
Murphy Bank Murphy Bank Branch	0.60%	$10,000	-	Learn More
Kewl2 \| Aug 22, 2020 Good for mobile home loans in parks, Read More Reviews (3)
Golden Bank, National Association Tustin Branch	0.60%	$10,000	-	Learn More Add Review
American First National Bank Alhambra Branch	0.60%	$10,000	-	Learn More Add Review
Manufacturers Bank Beverly Hills Branch	0.55%	$10,000	-	Learn More Add Review
Nano Banc Commerce Bank Of Temecula Valley Branch	0.55%	$10,000	-	Learn More Add Review
Community Valley Bank Brawley Branch	0.55%	$100,000	-	Learn More
laberta ewing \| Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More Reviews (1)
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	0.55%	$10,000	-	Learn More Add Review
Fresno First Bank Fresno First Bank Branch	0.55%	$100,000	-	Learn More Add Review
Golden State Bank Brea Branch	0.55%	$10,000	-	Learn More Add Review
First Credit Bank First Credit Bank Branch	0.50%	$10,000	-	Learn More
maris \| Mar 2, 2019 does require us citizenship? Read More Reviews (1)
US Metro Bank Us Metro Bank Branch	0.50%	$10,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	0.50%	$2,500	-	Learn More Add Review
Pacific Premier Bank Montebello Office Branch	0.50%	$10,000	-	Learn More
Harry Reese \| Jul 22, 2015 Fix your automated system so I can find information after you close Read More Reviews (1)
Hanmi Bank Irvine Branch	0.50%	$10,000	-	Learn More Add Review
Mechanics Bank Westlake Village Branch	0.50%	$10,000	-	Learn More
kristinalouise \| 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 Reviews (1)
Fresno First Bank Fresno First Bank Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	0.45%	$10,000	-	Learn More Add Review
Western Alliance Bank Kearny Mesa Branch	0.45%	$10,000	-	Learn More Add Review
Monterey County Bank Monterey County Bank Branch	0.45%	$10,000	-	Learn More Add Review
Mission Bank Lancaster Branch	0.45%	$100,000	-	Learn More Add Review
Royal Business Bank Buena Park Branch	0.45%	$10,000	-	Learn More Add Review
Citizens Business Bank County Commerce Bank Branch	0.40%	$100,000	-	Learn More Add Review
Neighborhood National Bank Neighborhood National Bank Branch	0.40%	$10,000	-	Learn More Add Review
Tustin Community Bank Tustin Community Bank Branch	0.40%	$10,000	-	Learn More Add Review
United Security Bank Convention Center Branch	0.40%	$100,000	-	Learn More Add Review
Bank of Stockton Lone Tree Way Branch	0.40%	$10,000	-	Learn More Add Review
Avidbank Avidbank Branch	0.40%	$100,000	-	Learn More Add Review
CalPrivate Bank La Jolla Branch	0.40%	$100,000	-	Learn More Add Review
Citizens Business Bank County Commerce Bank Branch	0.35%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	0.35%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	0.35%	$10,000	-	Learn More Add Review
CalPrivate Bank La Jolla Branch	0.35%	$10,000	-	Learn More Add Review
GBC International Bank Westminster Branch	0.35%	$10,000	-	Learn More
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 Reviews (1)
Commercial Bank of California Brea Branch	0.35%	$100,000	-	Learn More Add Review
Mission Bank Lancaster Branch	0.31%	$10,000	-	Learn More Add Review
Bank of Southern California, N.A. La Quinta Branch	0.30%	$100,000	-	Learn More Add Review
Farmers and Merchants Bank of Long Beach Huntington Beach Branch	0.30%	$10,000	-	Learn More Add Review
Infinity Bank Infinity Bank Branch	0.30%	$10,000	-	Learn More Add Review
El Dorado Savings Bank, F.S.B. Tahoe Valley Y Branch	0.30%	$10,000	-	Learn More Add Review
Bank of the Orient Millbrae Branch	0.30%	$100,000	-	Learn More Add Review
First General Bank San Gabriel Branch	0.30%	$10,000	-	Learn More Add Review
United Security Bank Convention Center Branch	0.30%	$10,000	-	Learn More Add Review
Endeavor Bank Endeavor Bank Branch	0.30%	$100,000	-	Learn More Add Review
Commercial Bank of California Brea Branch	0.30%	$10,000	-	Learn More Add Review
Cathay Bank Far East National Bank Main Office B Branch	0.30%	$50,000	-	Learn More Add Review
OneLocal Bank	0.30%	$500	-	Learn More Add Review
Rate History: 0.30% → 1.26% → 0.30%
Avidbank Avidbank Branch	0.27%	$10,000	-	Learn More Add Review
Shinhan Bank America Buena Park Branch	0.25%	$10,000	-	Learn More
Lori Kroko \| 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 Reviews (1)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
Plumas Bank Redding Branch	0.25%	$100,000	-	Learn More Add Review
Bank of Southern California, N.A. La Quinta Branch	0.25%	$10,000	-	Learn More Add Review
Exchange Bank Windsor Branch	0.24%	$100,000	-	Learn More Add Review
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	0.22%	$100,000	-	Learn More Add Review
Exchange Bank Windsor Branch	0.22%	$10,000	-	Learn More Add Review
Pacific Valley Bank Monterey Branch	0.20%	$10,000	-	Learn More Add Review
The Bank of Hemet Anza Branch	0.20%	$10,000	-	Learn More Add Review
Oak Valley Community Bank Modesto Dale Branch	0.20%	$10,000	-	Learn More Add Review
Plumas Bank Redding Branch	0.20%	$10,000	-	Learn More Add Review
Bank of the Orient Millbrae Branch	0.20%	$10,000	-	Learn More Add Review
MidFirst Bank Century City Branch	0.20%	$1,000	-	Learn More
sharzns \| Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More Reviews (3)
Mega Bank Mega Bank Branch	0.20%	$10,000	-	Learn More Add Review
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	0.19%	$10,000	-	Learn More Add Review
Westamerica Bank Northgate Branch	0.19%	$100,000	-	Learn More
scott \| Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More Reviews (2)
Golden Valley Bank Golden Valley Bank Branch	0.18%	$10,000	-	Learn More Add Review
American Riviera Bank American Riviera Bank Branch	0.15%	$10,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
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
Umpqua Bank Newport Beach Branch	0.15% 0.10%	$1 $0	-	Learn More
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 Reviews (2)
Northern California National Bank Northern California National Bank Branch	0.15%	$100,000	-	Learn More Add Review
First Bank Kearny Mesa Branch	0.15%	$1,000	-	Learn More Add Review
Montecito Bank & Trust Hollister Branch	0.15%	$10,000	-	Learn More Add Review
Westamerica Bank Northgate Branch	0.15%	$10,000	-	Learn More
scott \| Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More Reviews (2)
Northern California National Bank Northern California National Bank Branch	0.10%	$10,000	-	Learn More Add Review
Community Valley Bank Brawley Branch	0.10%	$10,000	-	Learn More
laberta ewing \| Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More Reviews (1)
Bank of San Francisco Bank Of San Francisco Branch	0.10%	$10,000	-	Learn More Add Review
East West Bank Metro United Bank Branch	0.10%	$10,000	-	Learn More
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 Reviews (2)
KeyBank National Association	0.05%	$10,000	-	Learn More
Rate History: 4.75% → 0.01% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association Foster City Branch	0.05%	$500	-	Learn More
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 Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Pasadena Pwm Branch	0.03%	$100,000	-	Learn More
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 Reviews (7)
OneWest Bank, a division of First-Citizens Bank and Trust	0.02%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	0.02%	$500	-	Learn More
Rate History: 0.10% → 0.02% → 0.10% → 0.02%
MrBond \| 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 Reviews (3)

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 zip 10116

Branch	Street	City	State
Community Commerce Bank Claremont Branch	390 West Foothill Boulevard	Claremont	CA
Finworth, a division of InsBank Century City Loan Production Office Branch	1999 Avenue Of The Stars, Suite 1100	Century City	CA
State Bank of India (California) San Diego Branch	9494 Black Mountain Road Ste C	San Diego	CA
Charles Schwab Bank, SSB Sunnyvale Branch	438 East El Camino Real	Sunnyvale	CA
Monet Bank San Diego Branch	8880 Rio San Diego Dr Suite 103	San Diego	CA
Beal Bank USA San Jose Branch	5180 Stevens Creek Boulevard, Suite 20	San Jose	CA
Poppy Bank Oakmont Branch	6580 Oakmont Drive	Santa Rosa	CA
Citibank, National Association West, National Association Branch	One Sansome Street, 22nd Floor	San Francisco	CA
Bank of Hope Fullerton Branch	5300 Beach Boulevard, Unit 101	Buena Park	CA
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	San Carlos And Ocean Street	Carmel	CA
Habib American Bank Artesia Branch	18357 Pioneer Boulevard	Artesia	CA
HomeStreet Bank Irvine Branch	17901 Von Karman Avenue, Suite 100	Irvine	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
JPMorgan Chase Bank, National Association San Francisco - Embarcadero Branch	Two Embarcadero Ctr Branch	San Francisco	CA
American Plus Bank, N.A. American Plus Bank, N.A. Branch	630 West Duarte Road	Arcadia	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
PCB Bank Downtown Fashion District Branch	777 E. 12th Street, Suite 200	Los Angeles	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
California International Bank, N.A. California International Bank, N.A. Branch	8632 East Valley Boulevard, Suite A	Rosemead	CA
Summit State Bank Summit State Bank Branch	500 Bicentennial Way	Santa Rosa	CA
Balboa Thrift and Loan Association Balboa Thrift And Loan Association Branch	865 Amena Court	Chula Vista	CA
First Credit Bank First Credit Bank Branch	9255 Sunset Boulevard	Los Angeles	CA
First Western Trust Bank First Western Trust Bank Century Cit Branch	1900 Avenue Of The Stars, Suite 900	Los Angeles	CA
Nano Banc Commerce Bank Of Temecula Valley Branch	25220 Hancock Avenue, Suite #140	Murrieta	CA
First Western Trust Bank First Western Trust Bank Century Cit Branch	1900 Avenue Of The Stars, Suite 900	Los Angeles	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
Community Bank of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	705 W Central Avenue	Lompoc	CA
Open Bank Open Bank Branch	1000 Wilshire Boulevard, Suite 100	Los Angeles	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
First Federal Savings and Loan Association of San Rafael 6058 College Avenue Branch	6058 College Avenue	Oakland	CA
Wallis Bank Wall Street Branch	855 S. Wall Street #855w	Los Angeles	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	1700 S. El Camino Real Ste 108	San Mateo	CA
Golden Bank, National Association Tustin Branch	2827 Park Avenue	Tustin	CA
US Metro Bank Us Metro Bank Branch	9866 Garden Grove Boulevard	Garden Grove	CA
American First National Bank Alhambra Branch	1420 East Valley Boulevard, Suite A	Alhambra	CA
Golden State Bank Brea Branch	403 W. Imperial Highway, Suite D	Brea	CA
Commonwealth Business Bank Irvine Center Branch	9120 Irvine Center Drive, #100	Irvine	CA
First General Bank San Gabriel Branch	801 E. Valley Blvd Unit 103	San Gabriel	CA
Mega Bank Mega Bank Branch	245 West Valley Boulevard	San Gabriel	CA
Hanmi Bank Irvine Branch	1140 Roosevelt	Irvine	CA
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	622 Clement Street	San Francisco	CA
Home Bank of California Home Bank Of California Branch	4493 Ruffin Road	San Diego	CA
Wallis Bank Wall Street Branch	855 S. Wall Street #855w	Los Angeles	CA
Murphy Bank Murphy Bank Branch	5180 North Palm Avenue	Fresno	CA
Golden Bank, National Association Tustin Branch	2827 Park Avenue	Tustin	CA
American First National Bank Alhambra Branch	1420 East Valley Boulevard, Suite A	Alhambra	CA
SMBC MANUBANK Beverly Hills Branch	9777 Wilshire Boulevard	Beverly Hills	CA
Nano Banc Commerce Bank Of Temecula Valley Branch	25220 Hancock Avenue, Suite #140	Murrieta	CA
Community Valley Bank Brawley Branch	310 Main Street	Brawley	CA
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	622 Clement Street	San Francisco	CA
FFB Bank Fresno First Bank Branch	7690 N. Palm Avenue, Ste. 101	Fresno	CA
Golden State Bank Brea Branch	403 W. Imperial Highway, Suite D	Brea	CA
First Credit Bank First Credit Bank Branch	9255 Sunset Boulevard	Los Angeles	CA
US Metro Bank Us Metro Bank Branch	9866 Garden Grove Boulevard	Garden Grove	CA
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	622 Clement Street	San Francisco	CA
Pacific Premier Bank, National Association Montebello Office Branch	2417 West Whittier Blvd	Montebello	CA
Hanmi Bank Irvine Branch	1140 Roosevelt	Irvine	CA
Mechanics Bank Westlake Village Branch	875 S Westlake Blvd., Suite 101	Westlake Village	CA
FFB Bank Fresno First Bank Branch	7690 N. Palm Avenue, Ste. 101	Fresno	CA
Community Bank of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	705 W Central Avenue	Lompoc	CA
Western Alliance Bank Kearny Mesa Branch	9280 Clairemont Mesa Boulevard	San Diego	CA
Monterey County Bank Monterey County Bank Branch	601 Munras Avenue	Monterey	CA
Mission Bank Lancaster Branch	43830 20th Street West	Lancaster	CA
Royal Business Bank Buena Park Branch	7025 Orangethorpe Avenue	Buena Park	CA
Citizens Business Bank County Commerce Bank Branch	3260 Telegraph Road	Ventura	CA
Neighborhood National Bank Neighborhood National Bank Branch	3511 National Avenue	San Diego	CA
Tustin Community Bank Tustin Community Bank Branch	13891 Newport Avenue, Suites 100 & 130	Tustin	CA
United Security Bank Convention Center Branch	855 M Street, Ste 130	Fresno	CA
Bank of Stockton Lone Tree Way Branch	6590 Lone Tree Way	Brentwood	CA
Avidbank Avidbank Branch	1732 N 1st St. 6th Floor	San Jose	CA
CalPrivate Bank La Jolla Branch	9404 Genesee Avenue, Suite 100	La Jolla	CA
Citizens Business Bank County Commerce Bank Branch	3260 Telegraph Road	Ventura	CA
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	37 Goldstone Road, Building 918	Fort Irwin	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	1700 S. El Camino Real Ste 108	San Mateo	CA
CalPrivate Bank La Jolla Branch	9404 Genesee Avenue, Suite 100	La Jolla	CA
GBC International Bank Westminster Branch	9113 Bolsa Avenue	Westminster	CA
Commercial Bank of California Brea Branch	One Pointe Drive, Suite 100	Brea	CA
Mission Bank Lancaster Branch	43830 20th Street West	Lancaster	CA
California Bank of Commerce, National Association La Quinta Branch	47-000 Washington	La Quinta	CA
Farmers and Merchants Bank of Long Beach Huntington Beach Branch	7125 Yorktown Avenue	Huntington Beach	CA
Infinity Bank Infinity Bank Branch	6 Hutton Centre Drive Suite 100	Santa Ana	CA
El Dorado Savings Bank, F.S.B. Tahoe Valley Y Branch	942 Emerald Bay Rd	South Lake Tahoe	CA
Bank of the Orient Millbrae Branch	979 Broadway	Millbrae	CA
First General Bank San Gabriel Branch	801 E. Valley Blvd Unit 103	San Gabriel	CA
United Security Bank Convention Center Branch	855 M Street, Ste 130	Fresno	CA
Endeavor Bank Endeavor Bank Branch	750 B Street Suite 3110	San Diego	CA
Commercial Bank of California Brea Branch	One Pointe Drive, Suite 100	Brea	CA
Bank of Hope Fullerton Branch	5300 Beach Boulevard, Unit 101	Buena Park	CA
Cathay Bank Far East National Bank Main Office B Branch	977 N. Broadway	Los Angeles	CA
Avidbank Avidbank Branch	1732 N 1st St. 6th Floor	San Jose	CA
Shinhan Bank America Buena Park Branch	5450 Beach Boulevard	Buena Park	CA
Plumas Bank Redding Branch	1335 Hilltop Drive	Redding	CA
California Bank of Commerce, National Association La Quinta Branch	47-000 Washington	La Quinta	CA
Exchange Bank Windsor Branch	8700 Lakewood Drive	Windsor	CA
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	402 West Ojai Avenue	Ojai	CA
Exchange Bank Windsor Branch	8700 Lakewood Drive	Windsor	CA
Pacific Valley Bank Monterey Branch	498 Alvarado Street	Monterey	CA
HCN Bank Anza Branch	56525 Highway 371	Anza	CA
Oak Valley Community Bank Modesto Dale Branch	4120-B Dale Road	Modesto	CA
Plumas Bank Redding Branch	1335 Hilltop Drive	Redding	CA
Bank of the Orient Millbrae Branch	979 Broadway	Millbrae	CA
MidFirst Bank Century City Branch	1875 Century Park East, Suite 1400	Los Angeles	CA
Mega Bank Mega Bank Branch	245 West Valley Boulevard	San Gabriel	CA
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	402 West Ojai Avenue	Ojai	CA
Westamerica Bank Northgate Branch	One Mitchell Boulevard	San Rafael	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
American Riviera Bank American Riviera Bank Branch	1033 Anacapa Street	Santa Barbara	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
First Bank Kearny Mesa Branch	9363 Clairemont Mesa Boulevard, Suite S	San Diego	CA
Montecito Bank & Trust Hollister Branch	6900 Hollister Avenue	Goleta	CA
Westamerica Bank Northgate Branch	One Mitchell Boulevard	San Rafael	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
Community Valley Bank Brawley Branch	310 Main Street	Brawley	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
East West Bank Metro United Bank Branch	7320 Clairemont Mesa Boulevard	San Diego	CA
U.S. Bank National Association Foster City Branch	999-F Edgewater	Foster City	CA
Bank of America, National Association Pasadena Pwm Branch	800 E Colorado Blvd	Pasadena	CA
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	44575 Avenida De Missiones	Temecula	CA

See rates for Online Banks →

See rates for Credit Unions →

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in California

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

California CD Rates – 18-Month

Branches Info around zip 10116

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in California

Download a Free eBook