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San Juan Capistrano, California CD Rates – 3-Month

You are viewing rates from banks across San Juan Capistrano

 

Below are the best three-month CD Rates from banks in San Juan Capistrano, 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.

San Juan Capistrano, CA - October 31, 2024

CD National Average : 2.21% ?

Banks APY MIN MILES ?

Rate History: 5.22% → 4.75% → 5.12% → 4.59% → 4.33%

Rate History: 2.00% → 4.75% → 4.50% → 4.00%

| Jan 2, 2023

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

Rate History: 4.59% → 3.05%

Rate History: 2.40% → 2.90%

| Aug 16, 2022

good customer service and always give me new information about CD rates. They have 2.3% now. Read More

Rate History: 1.00% → 0.05%

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

3 Month Branch Certificates of Deposit 2024

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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