Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across San Clemente
Below are three-year CD Rates from banks in San Clemente, 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.
San Clemente, CA - July 16, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.75% |
$1,000 |
21.78 |
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Rate History: 2.27% → 3.44% → 4.00% → 3.95% → 3.75% |
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3.45% |
$1,000 |
18.87 |
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Rate History: 4.00% → 3.90% → 3.85% → 3.45% |
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2.53% |
$1,000 |
23.38 |
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Rate History: 3.05% → 2.53% |
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|
2.00% |
$0 |
24.78 |
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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 |
24.76 |
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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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1.77% |
$1,000 |
21.24 |
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|
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1.66% |
$10,000 |
18.93 |
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|
|
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Rate History: 2.02% → 1.66% |
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1.00% |
$100,000 |
21.70 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.85% |
$1,000 |
- |
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|
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0.75% |
$100,000 |
10.09 |
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0.75% |
$100,000 |
20.55 |
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|
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0.70% |
$10,000 |
21.02 |
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0.65% |
$10,000 |
15.94 |
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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 |
20.27 |
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0.65% |
$100,000 |
21.68 |
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0.60% |
$10,000 |
23.94 |
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0.60% |
$10,000 |
10.09 |
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0.60% |
$10,000 |
21.68 |
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0.50% |
$100,000 |
18.96 |
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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 |
21.11 |
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0.45% |
$100,000 |
22.96 |
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0.45% |
$10,000 |
18.96 |
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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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|
0.40% |
$10,000 |
22.96 |
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|
0.35% 0.30% |
$1,000 $1,001 |
23.84 |
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0.30% |
$10,000 |
20.55 |
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0.30% |
$10,000 |
20.27 |
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0.25% |
$10,000 |
21.51 |
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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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0.15% |
$1 |
24.70 |
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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 |
20.93 |
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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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0.05% |
$500 |
20.97 |
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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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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.
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