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You are viewing rates from banks across Los Angeles
Below are three-year CD Rates from banks in Los Angeles, California. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
Los Angeles, CA - August 2, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.15% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 365 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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|
4.07% |
$10,000 |
21.43 |
Learn More
|
|
|
Rate History: 4.80% → 4.65% → 4.49% → 4.33% → 4.07% |
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samcasino | Mar 5, 2021 The best rate on any CD or savings account is .40% Read More |
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|
4.00% |
$25,000 |
- |
Learn More
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|
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Rate History: 3.56% → 4.16% → 4.00% |
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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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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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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|
3.75% |
$1,000 |
23.06 |
Learn More
|
|
|
Rate History: 2.27% → 3.44% → 4.00% → 3.95% → 3.75% |
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|
3.75% |
$1,000 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 180 days interest. |
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|
Savvysaver | Jun 26, 2020 Rate not current Read More |
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|
3.50% |
$500 |
- |
Learn More
|
|
|
Rate History: 2.75% → 2.75% → 3.50% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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|
3.45% |
$1,000 |
12.45 |
Learn More
|
|
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Rate History: 4.00% → 3.90% → 3.85% → 3.45% |
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|
3.40% |
$2,500 |
- |
Learn More
|
|
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Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40% |
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|
HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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|
3.36% |
$1,000 |
13.07 |
Learn More
|
|
|
3.35% 0.30% |
$250,000 $1,000 |
24.72 |
Learn More
|
|
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Rate History: 3.70% → 3.55% → 3.75% → 3.45% → 3.35% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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|
3.30% |
$50,000 |
10.69 |
Learn More
|
|
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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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|
3.20% |
$500 |
13.26 |
Learn More
|
|
|
Rate History: 3.25% → 3.20% → 3.82% → 3.05% → 3.20% |
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|
3.00% |
$1,500 |
4.73 |
Learn More
|
|
|
Rate History: 2.00% → 3.00% |
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Ryan | Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More |
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2.85% |
$5,000 |
- |
Learn More
|
|
|
james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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|
2.75% |
$0 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest. |
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Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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|
2.53% |
$1,000 |
23.30 |
Learn More
|
|
|
Rate History: 3.05% → 2.53% |
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|
2.00% |
$0 |
23.27 |
Learn More
|
|
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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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|
2.00% |
$10,000 |
23.27 |
Learn More
|
|
|
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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|
1.85% |
$1,000 |
13.22 |
Learn More
|
|
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1.77% |
$1,000 |
10.35 |
Learn More
|
|
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1.26% |
$2,500 |
8.79 |
Learn More
|
|
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Rate History: 2.53% → 2.28% → 1.51% → 1.26% |
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Unhappy | Mar 25, 2020 Banner bank is sometimes hard to work with. If you have a construction loan to get a disbursement you fill out a sheet with the line item (not a big deal). Then they schedule an inspection that you pay $... Read More |
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|
1.11% |
$10,000 |
22.59 |
Learn More
|
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1.02% |
$10,000 |
10.75 |
Learn More
|
|
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1.00% |
$100,000 |
10.95 |
Learn More
|
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maris | Mar 2, 2019 does require us citizenship? Read More |
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|
0.90% |
$10,000 |
9.10 |
Learn More
|
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|
0.85% |
$1,000 |
- |
Learn More
|
|
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0.75% |
$100,000 |
18.65 |
Learn More
|
|
|
0.75% |
$100,000 |
10.66 |
Learn More
|
|
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0.70% |
$10,000 |
23.43 |
Learn More
|
|
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0.70% |
$100,000 |
12.08 |
Learn More
|
|
|
0.65% |
$10,000 |
5.37 |
Learn More
|
|
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0.65% |
$100,000 |
20.57 |
Learn More
|
|
|
0.65% |
$10,000 |
18.65 |
Learn More
|
|
|
0.65% |
$10,000 |
11.54 |
Learn More
|
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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 |
11.20 |
Learn More
|
|
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0.60% |
$10,000 |
12.08 |
Learn More
|
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0.60% |
$10,000 |
11.76 |
Learn More
|
|
|
0.60% |
$100,000 |
24.77 |
Learn More
|
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0.55% |
$10,000 |
20.57 |
Learn More
|
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|
0.55% |
$10,000 |
12.32 |
Learn More
|
|
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Small Company | Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More |
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|
0.55% |
$10,000 |
24.77 |
Learn More
|
|
|
0.50% |
$10,000 |
9.39 |
Learn More
|
|
|
0.50% |
$100,000 |
14.03 |
Learn More
|
|
|
0.50% |
$10,000 |
10.44 |
Learn More
|
|
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Harry Reese | Jul 22, 2015 Fix your automated system so I can find information after you close Read More |
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|
0.50% |
$100,000 |
10.17 |
Learn More
|
|
|
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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|
0.45% |
$10,000 |
18.55 |
Learn More
|
|
|
0.45% |
$10,000 |
10.19 |
Learn More
|
|
|
0.45% |
$10,000 |
8.26 |
Learn More
|
|
|
tomlynn | Apr 15, 2019 Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More |
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|
0.45% |
$100,000 |
16.47 |
Learn More
|
|
|
0.45% |
$10,000 |
10.17 |
Learn More
|
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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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|
0.45% |
$10,000 |
11.25 |
Learn More
|
|
|
0.40% |
$10,000 |
14.03 |
Learn More
|
|
|
0.40% |
$1,000 |
- |
Learn More
|
|
|
RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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|
0.40% |
$10,000 |
5.41 |
Learn More
|
|
|
Michael strubert | Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More |
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|
0.40% |
$10,000 |
16.47 |
Learn More
|
|
|
0.40% |
$50,000 |
24.58 |
Learn More
|
|
|
0.35% 0.30% |
$1,000 $1,001 |
23.29 |
Learn More
|
|
|
0.35% |
$10,000 |
12.62 |
Learn More
|
|
|
0.35% |
$1,000 |
10.65 |
Learn More
|
|
|
sharzns | Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More |
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|
0.30% |
$10,000 |
10.66 |
Learn More
|
|
|
0.30% |
$10,000 |
11.20 |
Learn More
|
|
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0.30% |
$1,000 |
6.53 |
Learn More
|
|
|
0.25% |
$10,000 |
- |
Learn More
|
|
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UtahJazz1 | Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More |
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|
0.25% |
$10,000 |
11.28 |
Learn More
|
|
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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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|
0.20% |
$1,000 |
- |
Learn More
|
|
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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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|
0.15% |
$1 |
23.09 |
Learn More
|
|
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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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|
0.15% 0.10% |
$1 $0 |
18.20 |
Learn More
|
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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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0.15% |
$10,000 |
17.55 |
Learn More
|
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Bauhinia C | Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More |
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|
0.05% |
$500 |
17.75 |
Learn More
|
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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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|
0.03% |
$100,000 |
24.65 |
Learn More
|
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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| Branch | Street | City | State |
|---|---|---|---|
|
Community Commerce Bank Tarzana Branch |
19538 Ventura Boulevard | Tarzana | CA |
|
State Bank of India (California) State Bank Of India Branch |
21724 Ventura Blvd | Woodland Hills | CA |
|
Monet Bank Brentwood Branch |
11755 Wilshire Boulevard, Suite 10 | Los Angeles | CA |
|
Bank of Whittier, National Association Bank Of Whittier, National Association Branch |
15141 East Whittier Boulevard | Whittier | CA |
|
Bank of Hope Northridge Branch |
10147 Reseda Boulevard | Northridge | CA |
|
Finworth, a division of InsBank Century City Loan Production Office Branch |
1999 Avenue Of The Stars, Suite 1100 | Century City | CA |
|
Amalgamated Bank Amalgamated Bank Branch |
472 East Colorado Blvd. | Pasadena | CA |
|
Habib American Bank Los Angeles Branch |
110 East Ninth Street, Al-10 | Los Angeles | CA |
|
Zions Bank Woodland Hills Branch |
21800 Burbank Boulevard, Suite 160 | Woodland Hills | CA |
|
Citibank, National Association Woodland Hills Branch |
22000 Ventura Boulevard | Woodland Hills | CA |
|
JPMorgan Chase Bank, National Association Ventura Woodland Hills Branch |
22001 Ventura Boulevard | Woodland Hills | CA |
|
American Plus Bank, N.A. Pasadena Branch |
171 S. Hudson Ave. | Pasadena | CA |
|
PCB Bank Torrance Branch |
2505 Torrance Boulevard | Torrance | CA |
|
Banner Bank Los Angeles Branch |
7182 Beverly Blvd. | Los Angeles | CA |
|
California International Bank, N.A. California International Bank, N.A. Branch |
8632 East Valley Boulevard, Suite A | Rosemead | CA |
|
First Western Trust Bank First Western Trust Bank Century Cit Branch |
1900 Avenue Of The Stars, Suite 900 | Los Angeles | CA |
|
First Credit Bank First Credit Bank Branch |
9255 Sunset Boulevard | Los Angeles | CA |
|
United Pacific Bank San Gabriel Valley Regional Office Branch |
101 West Garvey Avenue | Montery Park | CA |
|
Golden State Bank Brea Branch |
403 W. Imperial Highway, Suite D | Brea | CA |
|
Mega Bank Mega Bank Branch |
245 West Valley Boulevard | San Gabriel | CA |
|
SMBC MANUBANK Warner Center Branch |
21550 Oxnard Street, Suite 250 | Los Angeles | CA |
|
Industrial and Commercial Bank of China USA, National Association Torrance Branch |
23133 Hawthorne Boulevard. Suite 100 | Torrance | CA |
|
California Business Bank California Business Bank Branch |
3200 El Camino Real, Suite 220 | Irvine | CA |
|
US Metro Bank Us Metro Bank Branch |
9866 Garden Grove Boulevard | Garden Grove | CA |
|
Golden State Bank Brea Branch |
403 W. Imperial Highway, Suite D | Brea | CA |
|
Commonwealth Business Bank South Bay Branch |
3770 W. Sepulveda Blvd. | Torrance | CA |
|
First General Bank San Gabriel Branch |
801 E. Valley Blvd Unit 103 | San Gabriel | CA |
|
Industrial and Commercial Bank of China USA, National Association Torrance Branch |
23133 Hawthorne Boulevard. Suite 100 | Torrance | CA |
|
Universal Bank Eagle Rock - Colorado Branch |
2575 Colorado Boulevard | Los Angeles | CA |
|
Hanmi Bank Northridge Branch |
10180 Reseda Blvd. | Northridge | CA |
|
US Metro Bank Us Metro Bank Branch |
9866 Garden Grove Boulevard | Garden Grove | CA |
|
United Business Bank Tri-Cities Branch |
330 North Brand Blvd., Ste. 120 | Glendale | CA |
|
Hanmi Bank Northridge Branch |
10180 Reseda Blvd. | Northridge | CA |
|
First Pacific Bank Sfs Branch |
12070 Telegraph Road Suite 100 | Santa Fe Springs | CA |
|
Malaga Bank F.S.B. Malaga Bank F.S.b. Branch |
2514 Via Tejon | Palos Verdes Peninsula | CA |
|
Pacific Premier Bank, National Association Manhattan Beach Office Branch |
1419 Highland Avenue | Manhattan Beach | CA |
|
Mechanics Bank Beverly Hills Branch |
100 N Crescent Dr #125 | Beverly Hills | CA |
|
Citizens Business Bank Encino Branch |
16830 Ventura Blvd Suite 310 | Encino | CA |
|
Western Alliance Bank Beverly Hills Branch |
9355 Wilshire Boulevard | Beverly Hills | CA |
|
GBC International Bank Gbc International Bank Branch |
5670 Wilshire Boulevard, Suite 1780 | Los Angeles | CA |
|
Commercial Bank of California Sherman Oaks Branch |
14724 Ventura Boulevard, Suite 100 | Sherman Oaks | CA |
|
Mechanics Bank Beverly Hills Branch |
100 N Crescent Dr #125 | Beverly Hills | CA |
|
Royal Business Bank West La Branch |
2105 Sawtelle Blvd. | Los Angeles | CA |
|
Malaga Bank F.S.B. Malaga Bank F.S.b. Branch |
2514 Via Tejon | Palos Verdes Peninsula | CA |
|
Beneficial State Bank Los Angeles Branch |
3626 East First Street | Los Angeles | CA |
|
Commercial Bank of California Sherman Oaks Branch |
14724 Ventura Boulevard, Suite 100 | Sherman Oaks | CA |
|
Cathay Bank Northridge Branch |
9045 Corbin Avenue #100 | Northridge | CA |
|
First Bank Woodland Hills Branch |
21757 Erwin Street | Woodland Hills | CA |
|
Farmers and Merchants Bank of Long Beach Redondo Beach Branch |
1304 S. Pacific Coast Hwy | Redondo Beach | CA |
|
MidFirst Bank Century City Branch |
1875 Century Park East, Suite 1400 | Los Angeles | CA |
|
Mega Bank Mega Bank Branch |
245 West Valley Boulevard | San Gabriel | CA |
|
First General Bank San Gabriel Branch |
801 E. Valley Blvd Unit 103 | San Gabriel | CA |
|
First Bank Woodland Hills Branch |
21757 Erwin Street | Woodland Hills | CA |
|
Bank of Hope Northridge Branch |
10147 Reseda Boulevard | Northridge | CA |
|
OneUnited Bank Ladera Heights Branch |
6810 La Tijera Boulevard | Los Angeles | CA |
|
Shinhan Bank America Torrance Branch |
22501 Crenshaw Boulevard | Torrance | CA |
|
Comerica Bank Woodland Hills Branch |
5700 Canoga Ave Bldg G Ste 100 | Woodland Hills | CA |
|
Umpqua Bank Encino Branch |
16501 Ventura Blvd., Suite 101 | Encino | CA |
|
East West Bank San Fernando Valley Cbc0 Branch |
15821 Ventura Boulevard | Encino | CA |
|
Umpqua Bank Encino Branch |
16501 Ventura Blvd., Suite 101 | Encino | CA |
|
First-Citizens Bank & Trust Company Encino Branch |
16055 Ventura Boulevard, Ste 110 | Encino | CA |
|
Bank of America, National Association Canoga Park Branch |
22004 Sherman Way | Canoga Park | CA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
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