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Image Courtesy: www.pixabay.com
You are viewing rates from banks across San Jose
Below are the best six-month CD Rates from banks with branches in San Jose, 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.
San Jose, CA - August 2, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.75% 0.05% |
$2,500 $1 |
23.73 |
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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4.40% |
$10,000 |
- |
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Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40% |
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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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4.35% |
$1,000 |
- |
Learn More
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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 |
- |
Learn More
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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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4.20% |
$1,000 |
17.87 |
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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 |
15.07 |
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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 |
19.29 |
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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 |
- |
Learn More
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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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4.14% |
$1,000 |
20.84 |
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Rate History: 4.19% → 4.24% → 4.30% → 4.35% → 4.14% |
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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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4.10% |
$20,000 |
19.64 |
Learn More
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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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4.00% |
$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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4.00% |
$5,000 |
18.94 |
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3.90% |
$1,000 |
19.31 |
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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% |
$10,000 |
21.43 |
Learn More
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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 |
16.94 |
Learn More
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Rate History: 4.07% → 3.61% |
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3.05% |
$1,000 |
19.67 |
Learn More
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Rate History: 4.86% → 3.05% |
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3.00% |
$0 |
- |
Learn More
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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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3.00% |
$0 |
21.46 |
Learn More
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Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00% |
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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 |
21.73 |
Learn More
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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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1.50% |
$10,000 |
22.57 |
Learn More
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Rate History: 3.00% → 2.00% → 1.50% |
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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 |
13.95 |
Learn More
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Rate History: 4.26% → 4.25% → 1.00% |
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0.35% |
$100,000 |
18.26 |
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0.35% |
$100,000 |
22.48 |
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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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0.25% |
$50,000 |
19.44 |
Learn More
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0.25% |
$100,000 |
14.11 |
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0.25% |
$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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0.25% |
$100,000 |
11.19 |
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0.25% |
$10,000 |
18.26 |
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0.22% |
$100,000 |
14.50 |
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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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0.20% |
$10,000 |
11.19 |
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0.20% |
$10,000 |
14.11 |
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0.15% |
$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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0.15% |
$10,000 |
4.33 |
Learn More
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0.15% |
$100,000 |
21.49 |
Learn More
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0.15% |
$10,000 |
22.52 |
Learn More
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0.12% |
$10,000 |
14.50 |
Learn More
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0.10% 0.05% |
$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% |
$10,000 |
16.64 |
Learn More
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0.05% |
$10,000 |
21.49 |
Learn More
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0.05% |
$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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| Branch | Street | City | State |
|---|---|---|---|
|
Comerica Bank Comerica Bank Branch |
1901 Mission Street | Santa Cruz | CA |
|
Beal Bank USA San Jose Branch |
5180 Stevens Creek Boulevard, Suite 20 | San Jose | CA |
|
State Bank of India (California) San Jose Branch |
675 North First Street Suite 105 | San Jose | CA |
|
Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
|
Charles Schwab Bank, SSB Sunnyvale Branch |
438 East El Camino Real | Sunnyvale | CA |
|
EverTrust Bank Cupertino Branch |
20510 Stevens Creek Blvd. | Cupertino | CA |
|
Poppy Bank Milpitas Branch |
555 East Calaveras Boulevard | Milpitas | CA |
|
CTBC Bank Corp. (USA) Cupertino Branch |
19620 Stevens Creek Boulevard Suite 160 | Cupertino | CA |
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HSBC Bank USA, National Association Deanza Boulevard Branch |
10745 S De Anza Boulevard | Cupertino | CA |
|
Bank of America, National Association De Anza Square Branch |
1310 South Mary Avenue | Sunnyvale | CA |
|
City National Bank City National Bank Branch |
224 Airport Parkway Suite 100 | San Jose | CA |
|
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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Wells Fargo Bank, National Association Foothill Crossing Branch |
23000 Homestead Road | Cupertino | CA |
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JPMorgan Chase Bank, National Association Sunnyvale Branch |
1234 West El Camino Real | Sunnyvale | CA |
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First Bank Campbell Branch |
790 East Campbell Avenue | Campbell | 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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Cathay Bank Cupertino Branch |
10465 South De Anza Boulevard | Cupertino | CA |
|
Western Alliance Bank San Jose Branch |
55 Almaden Blvd | San Jose | CA |
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United Business Bank Bay Commercial Bank Branch |
740 Front Street, Suite 310 | Santa Cruz | CA |
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Metropolitan Bank San Jose Branch |
1816 Tully Road, No. 192 | San Jose | 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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Metropolitan Bank San Jose Branch |
1816 Tully Road, No. 192 | San Jose | CA |
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Western Alliance Bank San Jose Branch |
55 Almaden Blvd | San Jose | CA |
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Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
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Pinnacle Bank Morgan Hill Branch |
18181 Butterfield Boulevard, Suite 135 | Morgan Hill | CA |
|
Heritage Bank of Commerce Sunnyvale Branch |
333 West El Camino Real Suite 150 | Sunnyvale | CA |
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West Coast Community Bank Santa Cruz County Bank Branch |
720 Front St | Santa Cruz | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | 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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SMBC MANUBANK San Jose Branch |
100 Century Center Court, Suite 205 | San Jose | 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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Heritage Bank of Commerce Sunnyvale Branch |
333 West El Camino Real Suite 150 | Sunnyvale | CA |
|
U.S. Bank National Association Mission & Almar Safeway Branch |
2203 Mission Street | Santa Cruz | 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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