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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Berkeley
Below are two-year Certificates of Deposit (CD) rates from banks in Berkeley, California. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.
Berkeley, CA - July 17, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.75% |
$1,000 |
12.48 |
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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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3.50% |
$1,000 |
11.90 |
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Rate History: 4.00% → 4.10% → 3.50% → 3.25% → 3.50% |
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john | Apr 14, 2020 I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More |
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3.45% |
$1,000 |
12.61 |
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Rate History: 4.30% → 4.20% → 4.15% → 3.45% |
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3.45% 0.30% |
$250,000 $1,000 |
4.01 |
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Rate History: 3.95% → 3.70% → 3.90% → 3.60% → 3.45% |
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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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2.53% |
$1,000 |
14.17 |
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Rate History: 3.05% → 2.53% |
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2.02% |
$10,000 |
7.41 |
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Rate History: 2.53% → 2.02% |
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2.00% |
$10,000 |
22.74 |
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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 |
7.60 |
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0.85% |
$1,000 |
4.43 |
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0.80% |
$10,000 |
17.87 |
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0.75% |
$100,000 |
9.33 |
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0.75% |
$100,000 |
7.53 |
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0.70% |
$100,000 |
12.05 |
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0.65% |
$100,000 |
8.88 |
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0.60% |
$10,000 |
7.44 |
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0.60% |
$10,000 |
12.05 |
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0.55% |
$2,500 |
12.05 |
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0.55% |
$100,000 |
11.79 |
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0.50% |
$10,000 |
9.33 |
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0.50% |
$10,000 |
8.88 |
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0.50% |
$0 |
22.66 |
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Rate History: 2.00% → 0.50% |
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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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0.45% |
$10,000 |
3.98 |
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0.40% |
$50,000 |
10.60 |
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0.40% |
$10,000 |
4.20 |
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Michael strubert | Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More |
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0.40% |
$10,000 |
7.53 |
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0.40% |
$10,000 |
7.33 |
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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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0.40% |
$10,000 |
7.14 |
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Small Company | Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More |
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0.35% |
$10,000 |
11.79 |
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0.35% |
$100,000 |
7.36 |
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0.30% |
$10,000 |
7.36 |
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0.29% |
$100,000 |
22.38 |
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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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0.25% |
$100 |
22.64 |
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0.25% |
$100,000 |
12.46 |
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0.25% |
$10,000 |
22.38 |
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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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0.25% |
$10,000 |
14.43 |
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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 |
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0.20% |
$10,000 |
12.46 |
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0.20% |
$1,000 |
14.76 |
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0.15% |
$10,000 |
12.15 |
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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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0.15% 0.10% |
$1 $0 |
22.61 |
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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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0.10% |
$1 |
8.42 |
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Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
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0.10% |
$10,000 |
7.36 |
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0.10% |
$10,000 |
7.31 |
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0.05% |
$500 |
22.77 |
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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 |
17.85 |
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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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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.
While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.
In general, if rates are rising, it makes sense not to lock up money for an extended period of time.
If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.
Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.
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.
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