Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across San Clemente
Below are two-year Certificates of Deposit (CD) rates from banks in San Clemente, 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.
San Clemente, CA - July 16, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.00% |
$1,000 |
21.78 |
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Rate History: 2.27% → 3.44% → 4.00% |
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3.45% |
$1,000 |
18.87 |
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Rate History: 4.30% → 4.20% → 4.15% → 3.45% |
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|
2.53% |
$1,000 |
23.38 |
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Rate History: 3.05% → 2.53% |
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|
2.02% |
$10,000 |
18.93 |
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Rate History: 2.53% → 2.02% |
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|
2.00% |
$10,000 |
24.76 |
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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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1.77% |
$1,000 |
21.24 |
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|
|
1.00% |
$100,000 |
21.70 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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|
0.75% |
$100,000 |
20.55 |
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|
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0.70% |
$100,000 |
10.09 |
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0.65% |
$10,000 |
15.94 |
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|
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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 |
20.27 |
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|
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0.65% |
$10,000 |
21.02 |
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|
|
|
0.55% |
$10,000 |
10.09 |
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|
|
|
0.50% |
$10,000 |
23.94 |
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|
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0.50% |
$5,000 |
20.91 |
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|
|
|
0.50% |
$0 |
24.78 |
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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% |
$100,000 |
21.11 |
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|
|
|
0.45% |
$100,000 |
21.68 |
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|
|
|
0.40% |
$10,000 |
21.68 |
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|
|
0.40% |
$10,000 |
21.11 |
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|
|
|
0.40% |
$100,000 |
22.96 |
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|
|
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0.35% |
$10,000 |
22.96 |
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|
|
|
0.30% |
$10,000 |
20.55 |
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|
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0.30% |
$10,000 |
20.27 |
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0.25% |
$10,000 |
21.51 |
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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 |
18.96 |
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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 |
23.84 |
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0.15% |
$100 |
21.80 |
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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% 0.10% |
$1 $0 |
20.93 |
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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 |
24.70 |
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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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0.05% |
$500 |
20.97 |
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|
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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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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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