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You are viewing rates from banks across Cupertino
Below are 5-year CD Rates from banks that are located in Cupertino, { California}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.
Cupertino, CA - August 12, 2025
5 Year CD National Average : 0.92% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.20% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 730 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: 3.05% → 3.50% → 4.11% → 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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3.80% |
$2,500 |
- |
Learn More
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Rate History: 4.00% → 3.85% → 3.75% → 3.80% |
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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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3.75% |
$1,000 |
11.33 |
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% |
$1,000 |
16.62 |
Learn More
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Rate History: 2.27% → 3.95% → 2.27% → 3.50% |
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3.45% |
$1,000 |
2.86 |
Learn More
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Rate History: 3.95% → 3.85% → 3.80% → 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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3.35% 0.35% |
$250,000 $1,000 |
3.43 |
Learn More
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Rate History: 3.45% → 3.65% → 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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2.75% |
$500 |
- |
Learn More
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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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1.75% 1.25% |
$100,000 $2,500 |
22.39 |
Learn More
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1.31% |
$10,000 |
24.06 |
Learn More
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Rate History: 1.51% → 1.31% |
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1.15% |
$100,000 |
10.75 |
Learn More
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1.01% |
$10,000 |
5.03 |
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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0.90% |
$10,000 |
11.84 |
Learn More
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0.85% |
$10,000 |
23.72 |
Learn More
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0.80% |
$10,000 |
10.75 |
Learn More
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0.75% |
$100,000 |
5.73 |
Learn More
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0.75% |
$10,000 |
7.78 |
Learn More
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0.60% |
$10,000 |
5.73 |
Learn More
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0.50% |
$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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0.50% |
$10,000 |
16.08 |
Learn More
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0.50% |
$1,000 |
22.39 |
Learn More
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0.45% |
$10,000 |
10.79 |
Learn More
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0.30% |
$10,000 |
22.39 |
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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0.25% |
$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% 0.10% |
$1 $0 |
8.20 |
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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| Branch | Street | City | State |
|---|---|---|---|
|
Poppy Bank Milpitas Branch |
555 East Calaveras Boulevard | Milpitas | CA |
|
State Bank of India (California) State Bank Of India (California) - F Branch |
39148 Paseo Padre Parkway | Fremont | 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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Fremont Bank Www.Fremontbank.com Branch |
25151 Clawiter Rd | Hayward | CA |
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City National Bank Burlingame Branch |
1450 Chapin Avenue | Burlingame | CA |
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Fremont Bank Www.Fremontbank.com Branch |
25151 Clawiter Rd | Hayward | CA |
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Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
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United Business Bank Mountain View Branch |
700 E. El Camino Real, Suite 100 | Mountain View | CA |
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Metropolitan Bank San Jose Branch |
1816 Tully Road, No. 192 | 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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Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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SMBC MANUBANK San Jose Branch |
100 Century Center Court, Suite 205 | San Jose | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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California Pacific Bank Fremont Branch |
194 Francisco Lane, Suite 100 | Fremont | CA |
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First Bank San Mateo Branch |
24 E 4th Avenue | San Mateo | CA |
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Western Alliance Bank Palo Alto Branch |
525 University Avenue | Palo Alto | CA |
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Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
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East West Bank San Mateo Branch |
27 East 4th Avenue | San Mateo | 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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Umpqua Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | CA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.
Like every other CD term, five year CDs from FDIC insured banks are protected up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure.
The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.
While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.
On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.
Five-year CDs currently pay about 1.00% more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years.
Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.
With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the 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