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Livermore, California CD Rates – 3-Month

You are viewing rates from banks across Livermore





Below are the best three-month CD Rates from banks in Livermore, California . Three-month CD rates are generally the shortest term offered by banks and come with the lowest interest rates. You may want to consider opening a 3-month CD if they the rates are comparable to a savings and money market account, you don’t need the money for the time period, and you feel that savings rates will drop.

Livermore, CA - August 9, 2025

CD National Average : 2.21% ?

Banks APY MIN MILES ?

Rate History: 1.00% → 3.00% → 4.50% → 4.00%

| 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

Rate History: 4.00% → 3.85% → 3.70% → 3.25% → 4.00%

Rate History: 5.12% → 4.59% → 4.33% → 4.07% → 3.82%

Rate History: 4.25% → 4.00% → 3.50% → 2.25% → 1.25%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| 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

Rate History: 1.00% → 0.05%

| 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

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 Livermore, CA - August 9, 2025


Branch Street City State
Poppy Bank
Walnut Creek Branch
1940 Tice Valley Boulevard Walnut Creek CA
Fremont Bank
Castro Valley Branch
3549 Castro Valley Boulevard Castro Valley CA
City National Bank
Walnut Creek Banking Office Branch
2001 North Main Street Walnut Creek CA
JPMorgan Chase Bank, National Association
Jackson And Amador Branch
255 W Jackson St Hayward CA
First Bank
Walnut Creek Branch
1700 N Broadway, Suite 100 Walnut Creek CA
Citibank, National Association
Hayward Branch
22548 Second Street Hayward CA


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PRODUCT INFORMATION

3 Month Branch Certificates of Deposit 2025

3 Month Certificates of Deposit offered by local banks are often the shortest term offered. Three month certificates of deposit rates underperform the returns on savings and money market accounts and have for some time. As a result, savers may find savings and money market accounts to offer a higher yield and more flexibility than a three year CD.

Any certificate of deposit will bear substantial penalties for early withdrawal, if it is even allowed. As a result of the penalty, depositors who might need to withdraw from short term CDs early will ordinary lose some of their principal. Under no circumstances should depositors open a 3 month CD if they think that there is any chance that they will need to access the money in less than 3 months.

While online banks often offer better rates on short term CDs, local banks are provide the convenience of walking into a branch to open a CD, deposit funds, or withdraw the CD when it matures. In addition, a CD is often an entree into a broader relationship with a financial institution which may become important if the depositor wishes to borrow money.

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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