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You are viewing rates from banks across Santa Cruz
Below are the best three-month CD Rates from banks in Santa Cruz, 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.
Santa Cruz, CA - July 20, 2025
CD National Average : 2.21% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.27% |
$1,000 |
22.27 |
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Rate History: 4.32% → 4.42% → 4.37% → 4.42% → 4.27% |
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kenbeckyreese@icloud.com | Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More |
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4.25% |
$1,000 |
23.81 |
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Rate History: 4.35% → 5.05% → 4.95% → 4.80% → 4.25% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.05% |
$1,000 |
23.67 |
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Rate History: 4.59% → 3.05% |
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2.90% |
$20,000 |
23.66 |
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Rate History: 2.40% → 2.90% |
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Tina | Aug 16, 2022 good customer service and always give me new information about CD rates. They have 2.3% now. Read More |
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2.25% |
$10,000 |
1.25 |
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Rate History: 2.00% → 4.25% → 4.00% → 3.50% → 2.25% |
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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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2.01% |
$25,000 |
24.69 |
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Rate History: 2.50% → 4.50% → 2.50% → 2.00% → 2.01% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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0.20% |
$1,000 |
- |
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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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0.05% |
$1,000 |
21.97 |
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Rate History: 1.00% → 0.05% |
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0.05% |
$0 |
20.71 |
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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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0.05% |
$500 |
1.29 |
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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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| Branch | Street | City | State |
|---|---|---|---|
|
Charles Schwab Bank, SSB Campbell California Branch |
10 E Hamilton Ave, Suite 800 | Campbell | CA |
|
Beal Bank USA San Jose Branch |
5180 Stevens Creek Boulevard, Suite 20 | San Jose | CA |
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Zions Bank Cupertino Branch |
20541 Stevens Creek Boulevard | Cupertino | CA |
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EverTrust Bank Cupertino Branch |
20510 Stevens Creek Blvd. | Cupertino | CA |
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JPMorgan Chase Bank, National Association Mission St And Almar Ave Branch |
2111 Mission St | Santa Cruz | CA |
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Wells Fargo Bank, National Association Foothill Crossing Branch |
23000 Homestead Road | Cupertino | CA |
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First Bank Campbell Branch |
790 East Campbell Avenue | Campbell | CA |
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Citibank, National Association Saratoga Branch |
12948 Saratoga Sunnyvale Road | Saratoga | CA |
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U.S. Bank National Association Mission & Almar Safeway Branch |
2203 Mission Street | Santa Cruz | CA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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