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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Rancho Santa Margarita
Below are the best six-month CD Rates from banks with branches in Rancho Santa Margarita, 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.
Rancho Santa Margarita, CA - September 1, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.75% 0.05% |
$2,500 $1 |
18.66 |
Learn More
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Rate History: 5.25% → 5.00% → 4.75% |
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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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4.35% |
$1,000 |
- |
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Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.35% |
$25,000 |
- |
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Early Withdrawal Penalty is 90 days interest. |
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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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4.30% |
$10,000 |
- |
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Rate History: 4.40% → 4.35% → 4.30% → 4.40% → 4.30% |
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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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4.20% |
$1,000 |
14.36 |
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Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20% |
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4.20% |
$1,000 |
12.35 |
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Rate History: 3.03% → 5.00% → 4.00% → 4.20% |
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4.16% 0.20% |
$250,000 $1,000 |
21.28 |
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Rate History: 4.85% → 4.60% → 4.50% → 4.35% → 4.16% |
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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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4.15% |
$2,500 |
- |
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Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15% |
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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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3.90% |
$1,000 |
21.25 |
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Rate History: 4.40% → 4.25% → 4.15% → 4.00% → 3.90% |
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john | Apr 14, 2020 I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More |
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3.75% |
$25,000 |
23.80 |
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Rate History: 4.00% → 4.75% → 4.50% → 4.00% → 3.75% |
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3.75% |
$10,000 |
21.76 |
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Rate History: 4.00% → 3.75% |
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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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3.61% |
$10,000 |
18.71 |
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Rate History: 4.07% → 3.61% |
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3.00% |
$0 |
- |
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Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00% |
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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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2.25% |
$0 |
21.34 |
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Rate History: 3.75% → 3.50% → 3.25% → 3.00% → 2.25% |
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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% |
$25,000 |
23.34 |
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Rate History: 2.50% → 2.51% → 2.01% → 2.00% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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1.01% |
$10,000 |
22.57 |
Learn More
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Rate History: 3.00% → 2.00% → 1.50% → 1.01% |
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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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1.00% |
$1,000 |
23.39 |
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Rate History: 4.26% → 4.25% → 1.00% |
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0.84% |
$10,000 |
19.76 |
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0.50% |
$100,000 |
21.04 |
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0.45% |
$100,000 |
13.85 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.45% |
$10,000 |
7.22 |
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RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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0.40% |
$10,000 |
21.04 |
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0.40% |
$100,000 |
6.23 |
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0.35% |
$100,000 |
21.10 |
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0.35% |
$100,000 |
24.94 |
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0.35% |
$10,000 |
23.18 |
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0.30% |
$10,000 |
13.21 |
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0.30% |
$10,000 |
6.23 |
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0.30% |
$10,000 |
24.94 |
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0.25% |
$100,000 |
20.57 |
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0.25% |
$10,000 |
12.63 |
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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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0.25% |
$50,000 |
18.08 |
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0.25% |
$100,000 |
24.84 |
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0.25% |
$100,000 |
13.83 |
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0.25% |
$10,000 |
21.10 |
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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% |
$10,000 |
13.83 |
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0.20% |
$10,000 |
13.99 |
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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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0.20% |
$10,000 |
24.84 |
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0.15% |
$10,000 |
24.39 |
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0.15% |
$10,000 |
- |
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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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0.15% |
$10,000 |
13.85 |
Learn More
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.15% |
$10,000 |
20.57 |
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0.10% |
$100 |
13.49 |
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william | Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More |
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0.10% |
$100,000 |
14.97 |
Learn More
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0.10% 0.05% |
$1 $0 |
13.82 |
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% |
$10,000 |
24.40 |
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0.10% |
$100,000 |
22.68 |
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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0.07% |
$10,000 |
14.97 |
Learn More
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0.05% |
$10,000 |
14.62 |
Learn More
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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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0.05% |
$10,000 |
22.68 |
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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0.05% |
$500 |
19.78 |
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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0.01% |
$500 |
13.96 |
Learn More
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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.
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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