Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Torrance
Below are three-year CD Rates from banks in Torrance, 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.
Torrance, CA - July 3, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.45% |
$1,000 |
17.11 |
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Rate History: 4.00% → 3.90% → 3.85% → 3.45% |
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3.36% |
$1,000 |
18.35 |
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3.35% 0.30% |
$250,000 $1,000 |
1.50 |
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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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3.20% |
$500 |
23.76 |
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Rate History: 3.25% → 3.20% → 3.82% → 3.05% → 3.20% |
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3.00% |
$1,500 |
15.01 |
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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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1.85% |
$1,000 |
23.69 |
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1.77% |
$1,000 |
0.97 |
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1.26% |
$2,500 |
17.16 |
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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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1.20% |
$500 |
19.77 |
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samcasino | Jan 30, 2021 Sterling hasn't offered a 1% rate for over a year. Best one can do now is .20%. The rates shown on this site are grossly outdated. Read More |
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1.11% |
$10,000 |
20.07 |
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1.02% |
$10,000 |
16.90 |
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1.00% |
$100,000 |
18.70 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.90% |
$10,000 |
19.05 |
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0.85% |
$1,000 |
- |
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0.75% |
$100,000 |
20.60 |
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0.70% |
$100,000 |
2.16 |
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0.65% |
$10,000 |
15.60 |
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0.65% |
$100,000 |
19.12 |
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0.65% |
$10,000 |
1.94 |
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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 |
21.02 |
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0.60% |
$10,000 |
2.16 |
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0.60% |
$10,000 |
22.17 |
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0.60% |
$100,000 |
17.01 |
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0.55% |
$10,000 |
19.12 |
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0.55% |
$10,000 |
22.49 |
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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 |
17.01 |
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0.50% |
$10,000 |
14.87 |
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0.50% |
$100,000 |
4.43 |
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0.50% |
$10,000 |
6.56 |
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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 |
17.05 |
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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 |
24.89 |
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0.45% |
$10,000 |
17.06 |
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0.45% |
$10,000 |
16.27 |
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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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0.45% |
$100,000 |
23.53 |
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0.45% |
$10,000 |
17.05 |
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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 |
16.08 |
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0.40% |
$10,000 |
4.43 |
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0.40% |
$10,000 |
15.79 |
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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 |
23.53 |
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0.40% |
$50,000 |
2.21 |
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0.35% |
$10,000 |
3.80 |
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0.35% |
$1,000 |
16.88 |
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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 |
20.60 |
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0.30% |
$10,000 |
21.02 |
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0.30% |
$1,000 |
10.71 |
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0.25% |
$10,000 |
0.94 |
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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% 0.10% |
$1 $0 |
24.66 |
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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 |
24.24 |
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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 |
24.35 |
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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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| Branch | Street | City | State |
|---|---|---|---|
|
XD 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 |
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Bank of Hope Torrance Market Branch |
4040 Pacific Coast Hwy | Torrance | CA |
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Amalgamated Bank Amalgamated Bank Branch |
472 East Colorado Blvd. | Pasadena | CA |
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Habib American Bank Los Angeles Branch |
110 East Ninth Street, Al-10 | Los Angeles | CA |
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American Plus Bank, N.A. Pasadena Branch |
171 S. Hudson Ave. | Pasadena | CA |
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PCB Bank Torrance Branch |
2505 Torrance Boulevard | Torrance | CA |
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Banner Bank Los Angeles Branch |
7182 Beverly Blvd. | Los Angeles | CA |
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Sterling Bank and Trust, FSB Alhambra Branch |
711 West Valley Blvd, Ste 100 | Alhambra | CA |
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California International Bank, N.A. California International Bank, N.A. Branch |
8632 East Valley Boulevard, Suite A | Rosemead | CA |
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First Western Trust Bank First Western Trust Bank Century Cit Branch |
1900 Avenue Of The Stars, Suite 900 | Los Angeles | CA |
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First Credit Bank First Credit Bank Branch |
9255 Sunset Boulevard | Los Angeles | CA |
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United Pacific Bank San Gabriel Valley Regional Office Branch |
101 West Garvey Avenue | Montery Park | CA |
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Mega Bank Mega Bank Branch |
245 West Valley Boulevard | San Gabriel | CA |
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Industrial and Commercial Bank of China USA, National Association Torrance Branch |
23133 Hawthorne Boulevard. Suite 100 | Torrance | CA |
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California Business Bank California Business Bank Branch |
3200 El Camino Real, Suite 220 | Irvine | CA |
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US Metro Bank Us Metro Bank Branch |
9866 Garden Grove Boulevard | Garden Grove | CA |
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Commonwealth Business Bank South Bay Branch |
3770 W. Sepulveda Blvd. | Torrance | CA |
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First General Bank San Gabriel Branch |
801 E. Valley Blvd Unit 103 | San Gabriel | CA |
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Industrial and Commercial Bank of China USA, National Association Torrance Branch |
23133 Hawthorne Boulevard. Suite 100 | Torrance | CA |
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Universal Bank Eagle Rock - Colorado Branch |
2575 Colorado Boulevard | Los Angeles | CA |
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Hanmi Bank Hanmi Bank Branch |
9300 Wilshire Blvd., Suite 101 | Beverly Hills | CA |
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US Metro Bank Us Metro Bank Branch |
9866 Garden Grove Boulevard | Garden Grove | CA |
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United Business Bank Tri-Cities Branch |
330 North Brand Blvd., Ste. 120 | Glendale | CA |
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Hanmi Bank Hanmi Bank Branch |
9300 Wilshire Blvd., Suite 101 | Beverly Hills | CA |
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First Pacific Bank Sfs Branch |
12070 Telegraph Road Suite 100 | Santa Fe Springs | CA |
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Malaga Bank F.S.B. Malaga Bank F.S.b. Branch |
2514 Via Tejon | Palos Verdes Peninsula | CA |
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Pacific Premier Bank, National Association Manhattan Beach Office Branch |
1419 Highland Avenue | Manhattan Beach | CA |
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Mechanics Bank Beverly Hills Branch |
100 N Crescent Dr #125 | Beverly Hills | CA |
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Citizens Business Bank Encino Branch |
16830 Ventura Blvd Suite 310 | Encino | CA |
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Western Alliance Bank Beverly Hills Branch |
9355 Wilshire Boulevard | Beverly Hills | CA |
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GBC International Bank Gbc International Bank Branch |
5670 Wilshire Boulevard, Suite 1780 | Los Angeles | CA |
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Commercial Bank of California Sherman Oaks Branch |
14724 Ventura Boulevard, Suite 100 | Sherman Oaks | CA |
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Mechanics Bank Beverly Hills Branch |
100 N Crescent Dr #125 | Beverly Hills | CA |
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Royal Business Bank West La Branch |
2105 Sawtelle Blvd. | Los Angeles | CA |
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Malaga Bank F.S.B. Malaga Bank F.S.b. Branch |
2514 Via Tejon | Palos Verdes Peninsula | CA |
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Beneficial State Bank Los Angeles Branch |
3626 East First Street | Los Angeles | CA |
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Commercial Bank of California Sherman Oaks Branch |
14724 Ventura Boulevard, Suite 100 | Sherman Oaks | CA |
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Cathay Bank Torrance Branch |
23211 Hawthorne Boulevard, Suite 108 | Torrance | CA |
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Farmers and Merchants Bank of Long Beach Redondo Beach Branch |
1304 S. Pacific Coast Hwy | Redondo Beach | CA |
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MidFirst Bank Century City Branch |
1875 Century Park East, Suite 1400 | Los Angeles | CA |
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Mega Bank Mega Bank Branch |
245 West Valley Boulevard | San Gabriel | CA |
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First General Bank San Gabriel Branch |
801 E. Valley Blvd Unit 103 | San Gabriel | CA |
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Bank of Hope Torrance Market Branch |
4040 Pacific Coast Hwy | Torrance | CA |
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OneUnited Bank Ladera Heights Branch |
6810 La Tijera Boulevard | Los Angeles | CA |
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Shinhan Bank America Torrance Branch |
22501 Crenshaw Boulevard | Torrance | CA |
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Umpqua Bank Encino Branch |
16501 Ventura Blvd., Suite 101 | Encino | CA |
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East West Bank San Fernando Valley Cbc0 Branch |
15821 Ventura Boulevard | Encino | CA |
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Umpqua Bank Encino Branch |
16501 Ventura Blvd., Suite 101 | Encino | CA |
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First-Citizens Bank & Trust Company Encino Branch |
16055 Ventura Boulevard, Ste 110 | Encino | 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