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Image Courtesy: www.pixabay.com
You are viewing rates from banks across San Jose
Below are three-year CD Rates from banks in San Jose, 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 Jose, CA - August 2, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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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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4.00% |
$25,000 |
- |
Learn More
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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 |
15.07 |
Learn More
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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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3.75% |
$1,000 |
19.81 |
Learn More
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Warning: Early withdrawal penalty is 3.00%. |
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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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3.50% |
$500 |
- |
Learn More
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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 |
17.87 |
Learn More
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Rate History: 4.00% → 3.90% → 3.85% → 3.45% |
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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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3.40% |
$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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3.35% 0.30% |
$250,000 $1,000 |
19.29 |
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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2.85% |
$5,000 |
- |
Learn More
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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
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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 |
19.67 |
Learn More
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Rate History: 3.05% → 2.53% |
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2.00% |
$0 |
21.46 |
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 |
22.57 |
Learn More
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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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1.66% |
$10,000 |
16.94 |
Learn More
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Rate History: 2.02% → 1.66% |
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0.85% |
$1,000 |
- |
Learn More
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0.80% |
$10,000 |
11.19 |
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0.70% |
$10,000 |
16.64 |
Learn More
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0.60% |
$100,000 |
18.26 |
Learn More
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0.55% |
$10,000 |
22.48 |
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 |
18.26 |
Learn More
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0.45% |
$100,000 |
14.50 |
Learn More
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0.45% |
$10,000 |
14.11 |
Learn More
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0.45% |
$10,000 |
16.68 |
Learn More
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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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0.40% |
$1,000 |
- |
Learn More
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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 |
22.52 |
Learn More
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0.40% |
$10,000 |
4.33 |
Learn More
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0.40% |
$50,000 |
19.44 |
Learn More
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0.35% |
$10,000 |
14.50 |
Learn More
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0.35% 0.30% |
$1,000 $1,001 |
13.95 |
Learn More
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0.35% |
$100,000 |
21.49 |
Learn More
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0.30% |
$10,000 |
21.49 |
Learn More
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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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0.20% |
$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 |
23.73 |
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 |
14.21 |
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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0.10% |
$500 |
23.93 |
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% |
$100,000 |
21.43 |
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 |
|---|---|---|---|
|
State Bank of India (California) San Jose Branch |
675 North First Street Suite 105 | San Jose | CA |
|
Poppy Bank Milpitas Branch |
555 East Calaveras Boulevard | Milpitas | CA |
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Beal Bank USA San Jose Branch |
5180 Stevens Creek Boulevard, Suite 20 | San Jose | CA |
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Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
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Zions Bank Cupertino Branch |
20541 Stevens Creek Boulevard | Cupertino | CA |
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Citibank, National Association Sunnyvale Branch |
1303 S Mary Avenue | Sunnyvale | CA |
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JPMorgan Chase Bank, National Association Sunnyvale Branch |
1234 West El Camino Real | Sunnyvale | CA |
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City National Bank City National Bank Branch |
224 Airport Parkway Suite 100 | San Jose | CA |
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Metropolitan Bank San Jose Branch |
1816 Tully Road, No. 192 | San Jose | CA |
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SMBC MANUBANK San Jose Branch |
100 Century Center Court, Suite 205 | San Jose | CA |
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Hanmi Bank Silicon Valley Branch |
2765 El Camino Real | Santa Clara | CA |
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United Business Bank Bay Commercial Bank Branch |
740 Front Street, Suite 310 | Santa Cruz | CA |
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Hanmi Bank Silicon Valley Branch |
2765 El Camino Real | Santa Clara | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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Western Alliance Bank San Jose Branch |
55 Almaden Blvd | San Jose | CA |
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GBC International Bank San Jose Branch |
1688 Hostetter Road, Unit A-B | San Jose | CA |
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West Coast Community Bank Santa Cruz County Bank Branch |
720 Front St | Santa Cruz | CA |
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Pinnacle Bank Morgan Hill Branch |
18181 Butterfield Boulevard, Suite 135 | Morgan Hill | CA |
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Cathay Bank Cupertino Branch |
10465 South De Anza Boulevard | Cupertino | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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First Bank Campbell Branch |
790 East Campbell Avenue | Campbell | CA |
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Heritage Bank of Commerce Sunnyvale Branch |
333 West El Camino Real Suite 150 | Sunnyvale | CA |
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Heritage Bank of Commerce Sunnyvale Branch |
333 West El Camino Real Suite 150 | Sunnyvale | CA |
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First Bank Campbell Branch |
790 East Campbell Avenue | Campbell | CA |
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Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
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Comerica Bank Comerica Bank Branch |
1901 Mission Street | Santa Cruz | CA |
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Umpqua Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | CA |
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U.S. Bank National Association Mission & Almar Safeway Branch |
2203 Mission Street | Santa Cruz | CA |
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Umpqua Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | CA |
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Bank of America, National Association De Anza Square Branch |
1310 South Mary Avenue | Sunnyvale | 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