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You are viewing rates from banks across California
Below are the best three-month CD Rates from banks in 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.
CA - October 1, 2026
CD National Average : 2.28% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.25% |
$1,000 |
- |
Learn More
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Rate History: 4.35% → 4.00% → 3.85% → 4.00% → 4.25% |
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TerryGord1973 | Jul 9, 2023 Looks like indexed savings is now at 5.31%. Down, but it still beats anything else here. Why aren't you highlighting this for your readers? Read More |
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4.21% |
$1,000 |
- |
Learn More
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Rate History: 3.91% → 4.01% → 3.85% → 3.91% → 4.21% |
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[email protected] | Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More |
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4.10% |
$100,000 |
- |
Learn More
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3 Month CD. |
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4.10% |
$1,000 |
- |
Learn More
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Rate History: 4.10% → 4.00% → 3.85% → 3.95% → 4.10% |
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TJ Boone | Jun 2, 2026 Opened an account with Bask several years ago for all of American Airlines miles when rates were close to zero. At some point I switched to an interest bearing account and then at some point I moved to an... Read More |
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4.00% |
$500 |
- |
Learn More
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Rate History: 3.25% → 2.00% → 3.25% → 3.35% |
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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4.00% |
$1,000 |
- |
Learn More
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Rate History: 4.60% → 4.40% → 4.35% → 4.06% → 4.00% |
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Jason T | May 30, 2023 They really do pay this amount, but the account lacks any functionality and they are constantly looking for some sort of add-on fee to enable them to claw back the interest. Any bank with a higher rate an... Read More |
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4.00% |
$25,000 |
- |
Learn More
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3 Month CD. |
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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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3.95% |
$25,000 |
- |
Learn More
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Rate History: 4.20% → 4.10% → 3.90% → 3.95% → 3.95% |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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3.95% |
$50,000 |
- |
Learn More
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Rate History: 3.90% → 3.95% |
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Geoffrey Christopher 1 | Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More |
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3.90% |
$1,500 |
- |
Learn More
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Early withdrawal penalty is 180 days interest. |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Bread Financial, even though I already have a CD with them. My application was ultimately declined, in spite of my multiple CDs among three banks... Read More |
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3.85% |
$1,000 |
- |
Learn More
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Rate History: 5.05% → 4.95% → 4.80% → 4.25% → 3.85% |
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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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3.85% |
$5,000 |
- |
Learn More
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|
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Rate History: 4.10% → 4.02% → 3.70% → 3.90% → 3.85% |
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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3.80% |
$1,000 |
- |
Learn More
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Rate History: 3.75% → 3.65% → 3.60% → 3.70% → 3.80% |
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Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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3.75% |
$1,000 |
- |
Learn More
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Rate History: 3.00% → 4.50% → 4.00% → 3.50% → 3.75% |
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denied_soft_credit_pull | 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 |
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3.75% |
$0 |
- |
Learn More
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Rate History: 0.75% → 4.05% → 3.75% |
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Stella | Apr 30, 2019 No issues. I feel confident using them. Read More |
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3.65% |
$5,000 |
- |
Learn More
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Rate History: 3.50% → 4.40% → 3.50% → 3.60% → 3.65% |
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jp2 | Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More |
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3.60% |
$1,000 |
- |
Learn More
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Rate History: 1.00% → 3.90% → 3.80% → 3.70% → 3.60% |
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Jackie | Jun 2, 2015 This bank is run by masters of deception with all of their silly products aimed to cheating people out of their hard earned money. I bet that every one in the management suite has a rap sheet. I wouldn't... Read More |
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3.60% |
$1,000 |
- |
Learn More
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Rate History: 3.95% → 3.90% → 3.80% → 3.70% → 3.60% |
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smithy1968 | Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More |
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3.50% |
$25,000 |
- |
Learn More
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Rate History: 3.00% → 4.75% → 4.25% → 4.00% → 3.50% |
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3.50% |
$500 |
- |
Learn More
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Rate History: 1.00% → 4.30% → 3.75% → 3.50% |
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JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More |
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3.35% |
$2,500 |
- |
Learn More
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Rate History: 4.00% → 3.75% → 3.60% → 3.50% → 3.35% |
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3.20% |
$500 |
- |
Learn More
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Rate History: 3.90% → 3.75% → 3.50% → 3.20% |
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BW | Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More |
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3.14% |
$1,000 |
- |
Learn More
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Rate History: 3.72% → 3.61% → 3.40% → 3.30% → 3.14% |
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Beenthere | Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More |
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2.94% |
$1 |
- |
Learn More
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Warning: Early withdrawal penalty is 1% of principal |
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Hello VirtualBank? | Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More |
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2.90% |
$20,000 |
- |
Learn More
|
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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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2.80% |
$0 |
- |
Learn More
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Rate History: 3.00% → 2.90% → 2.80% → 2.70% → 2.80% |
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Rad | Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More |
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2.17% |
$1,000 |
- |
Learn More
|
|
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Rate History: 4.59% → 3.05% → 2.53% → 2.17% |
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2.00% |
$250 |
- |
Learn More
|
|
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Rate History: 4.00% → 3.70% → 3.51% → 2.00% |
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[email protected] | May 19, 2018 Experience Read More |
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1.20% |
$1,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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0.25% |
$2,500 |
- |
Learn More
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0.20% |
$1,000 |
- |
Learn More
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.10% |
$1,000 |
- |
Learn More
|
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0.06% |
$25,000 |
- |
Learn More
|
|
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Rate History: 2.01% → 1.51% → 1.00% → 1.02% → 0.06% |
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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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0.05% |
$1,000 |
- |
Learn More
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|
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Rate History: 1.00% → 0.05% |
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0.05% |
$10,000 |
- |
Learn More
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|
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Rate History: 3.30% → 3.25% → 3.30% → 2.78% → 0.05% |
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0.05% |
$0 |
- |
Learn More
|
|
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Rate History: 3.00% → 2.25% → 2.25% → 2.00% → 0.05% |
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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 |
- |
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% |
$25,000 |
- |
Learn More
|
|
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... 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.
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
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Last Update on September 30, 2026
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