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You are viewing rates from banks across Menlo Park
Below are the best six-month CD Rates from banks with branches in Menlo Park, California . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.
Menlo Park, CA - December 16, 2025
6 Month CD National Average : 0.40% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.20% |
$1,000 |
13.43 |
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Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20% |
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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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4.20% |
$1,000 |
12.91 |
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Rate History: 3.03% → 5.00% → 4.00% → 4.20% |
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4.10% |
$25,000 |
- |
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Rate History: 4.61% → 4.51% → 4.41% → 4.25% → 4.10% |
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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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4.10% |
$20,000 |
11.98 |
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Rate History: 3.60% → 4.10% |
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Tina | Aug 16, 2022 good customer service and always give me new information about CD rates. They have 2.3% now. Read More |
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4.10% |
$1,000 |
- |
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Rate History: 4.35% → 4.30% → 4.15% → 4.20% → 4.10% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.00% |
$10,000 |
- |
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Rate History: 4.10% → 4.00% → 3.90% → 3.65% → 4.00% |
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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% |
$1,000 |
22.07 |
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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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3.90% |
$2,500 |
- |
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Rate History: 4.25% → 4.30% → 3.95% → 4.15% → 3.90% |
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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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3.84% |
$1,000 |
24.94 |
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Rate History: 3.68% → 3.79% → 3.84% → 3.79% → 3.84% |
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kenbeckyreese@icloud.com | Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More |
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3.72% 0.20% |
$250,000 $1,000 |
24.97 |
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Rate History: 4.50% → 4.35% → 4.16% → 3.91% → 3.72% |
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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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3.40% |
$1,000 |
24.50 |
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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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3.30% |
$5,000 |
12.53 |
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Rate History: 4.00% → 3.30% |
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0.81% |
$10,000 |
24.48 |
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0.22% |
$100,000 |
16.92 |
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0.20% |
$1,000 |
- |
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.20% |
$100,000 |
1.14 |
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0.20% |
$10,000 |
24.74 |
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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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0.15% |
$100,000 |
6.45 |
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0.12% |
$10,000 |
16.92 |
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0.10% |
$10,000 |
15.33 |
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0.08% |
$10,000 |
1.14 |
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0.05% |
$10,000 |
6.45 |
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0.05% |
$500 |
20.46 |
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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% |
$10,000 |
19.60 |
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Rate History: 4.00% → 3.75% → 3.51% → 0.03% |
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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 |
|---|---|---|---|
|
Beal Bank USA San Jose Branch |
5180 Stevens Creek Boulevard, Suite 20 | San Jose | CA |
|
State Bank of India (California) State Bank Of India (California) - F Branch |
39148 Paseo Padre Parkway | Fremont | CA |
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EverTrust Bank Cupertino Branch |
20510 Stevens Creek Blvd. | Cupertino | CA |
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Poppy Bank Alameda Branch |
2531 Blanding Avenue | Alameda | CA |
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Charles Schwab Bank, SSB 106 West Portal Avenue Branch |
106 West Portal Avenue | San Francisco | CA |
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Bank of Hope Oakland Branch |
1940 Webster St | Oakland | CA |
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Columbia Bank Noe Valley Branch |
3938 24th Street | San Francisco | CA |
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CTBC Bank Corp. (USA) Cupertino Branch |
19620 Stevens Creek Boulevard Suite 160 | Cupertino | CA |
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Gateway Bank, F.S.B. Gateway Bank, F.S.b. Branch |
360 Eighth Street | Oakland | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
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Beneficial State Bank Beneficial State Bank Branch |
1438 Webster Street, Suite 100 | Oakland | CA |
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Bank of Hope Oakland Branch |
1940 Webster St | Oakland | CA |
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Heritage Bank of Commerce Los Altos Branch |
419 South San Antonio Road | Los Altos | 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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Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
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Heritage Bank of Commerce Los Altos Branch |
419 South San Antonio Road | Los Altos | CA |
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U.S. Bank National Association Pacifica Branch |
1655 Oceana | Pacifica | CA |
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Bank of America, National Association Linda Mar Branch |
1375 Linda Mar Shopping Center | Pacifica | CA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.
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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