Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across El Monte
Below are two-year Certificates of Deposit (CD) rates from banks in El Monte, 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.
El Monte, CA - August 2, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.44% |
$10,000 |
6.33 |
Learn More
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Rate History: 4.91% → 4.75% → 4.65% → 4.49% → 4.44% |
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samcasino | Mar 5, 2021 The best rate on any CD or savings account is .40% Read More |
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4.15% |
$10,000 |
- |
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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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4.00% |
$2,500 |
- |
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Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00% |
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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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4.00% |
$1,000 |
11.71 |
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Rate History: 2.27% → 3.44% → 4.00% |
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4.00% |
$25,000 |
- |
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Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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3.50% |
$5,000 |
- |
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james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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3.50% |
$500 |
- |
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|
|
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Rate History: 3.50% → 3.50% → 3.75% → 3.50% |
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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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|
3.45% 0.30% |
$250,000 $1,000 |
23.66 |
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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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3.36% |
$1,000 |
9.06 |
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3.00% |
$500 |
7.18 |
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|
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Rate History: 3.35% → 3.30% → 3.82% → 3.05% → 3.00% |
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3.00% |
$1,500 |
11.66 |
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Rate History: 2.65% → 3.00% |
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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 |
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2.75% |
$0 |
- |
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Early Withdrawal Penalty is 180 days interest. |
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Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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2.53% |
$1,000 |
19.28 |
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|
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Rate History: 3.05% → 2.53% |
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2.02% |
$10,000 |
19.31 |
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|
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Rate History: 2.53% → 2.02% |
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2.00% |
$10,000 |
24.18 |
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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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1.95% |
$1,000 |
6.79 |
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1.77% |
$1,000 |
22.61 |
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1.05% |
$10,000 |
23.94 |
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1.01% |
$10,000 |
17.10 |
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1.00% |
$100,000 |
18.17 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.80% |
$10,000 |
4.54 |
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0.75% |
$100,000 |
3.40 |
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0.75% |
$10,000 |
19.23 |
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0.70% |
$100,000 |
13.12 |
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0.70% |
$100,000 |
24.40 |
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0.65% |
$100,000 |
21.33 |
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0.65% |
$10,000 |
23.94 |
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RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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0.65% |
$100,000 |
2.70 |
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0.65% |
$10,000 |
20.21 |
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0.65% |
$100,000 |
18.81 |
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0.60% |
$100,000 |
10.70 |
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0.60% |
$10,000 |
24.40 |
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0.60% |
$10,000 |
13.12 |
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0.55% |
$2,500 |
24.40 |
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0.50% |
$10,000 |
11.72 |
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0.50% |
$10,000 |
21.33 |
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0.50% |
$5,000 |
11.95 |
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0.50% |
$10,000 |
18.81 |
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0.50% |
$10,000 |
21.99 |
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Harry Reese | Jul 22, 2015 Fix your automated system so I can find information after you close Read More |
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0.50% |
$0 |
24.25 |
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|
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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 |
10.70 |
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0.45% |
$10,000 |
24.74 |
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0.45% |
$10,000 |
18.93 |
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0.45% |
$100,000 |
22.81 |
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0.40% |
$1,000 |
- |
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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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0.40% |
$50,000 |
24.51 |
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0.40% |
$10,000 |
8.38 |
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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 |
16.61 |
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|
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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 |
12.53 |
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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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0.40% |
$10,000 |
22.81 |
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0.40% |
$100,000 |
17.07 |
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0.35% |
$10,000 |
17.07 |
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0.30% |
$10,000 |
3.40 |
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0.30% |
$10,000 |
2.70 |
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|
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0.30% |
$1,000 |
18.91 |
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0.25% |
$10,000 |
3.45 |
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0.25% |
$10,000 |
- |
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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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0.25% |
$10,000 |
23.36 |
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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 |
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0.25% |
$10,000 |
9.43 |
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0.25% |
$10,000 |
18.91 |
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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% |
$1,000 |
- |
Learn More
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wertlkgt | Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More |
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0.20% |
$1,000 |
18.68 |
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0.15% |
$100 |
21.79 |
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william | Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More |
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0.15% |
$10,000 |
18.95 |
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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|
0.15% 0.10% |
$1 $0 |
23.27 |
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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0.10% |
$1 |
19.34 |
Learn More
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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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0.07% |
$10,000 |
11.58 |
Learn More
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0.05% |
$500 |
21.48 |
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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 |
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0.05% |
$500 |
19.00 |
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 |
24.26 |
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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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.
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