California

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Cudahy, California CD Rates

You are viewing rates from banks across Cudahy





Below are the best one-year CD Rates from banks in Cudahy, California. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Cudahy, CA - August 26, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Rate History: 5.12% → 4.85% → 4.75% → 4.59% → 4.54%

| Mar 5, 2021

The best rate on any CD or savings account is .40% Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.55% → 4.35% → 4.20% → 4.46% → 4.35%

| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%

| 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

Warning: Early Withdrawal Penalty is 270 days interest.
Rate History: 4.40% → 4.30% → 4.25% → 4.40% → 4.25%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%

| Jun 26, 2020

Rate not current Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%

| 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

Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05%

| 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

Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05%

Rate History: 5.00% → 4.00%

| 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

Rate History: 4.40% → 4.30% → 4.10% → 4.00% → 3.90%

| 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

Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%

| Nov 18, 2023

bank delayed 1-2days to credit into your account, pay less interest. Read More

Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

3.82%

$1,000

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Rate History: 3.05% → 3.30% → 3.80%

| Aug 16, 2022

good customer service and always give me new information about CD rates. They have 2.3% now. Read More

Rate History: 4.70% → 4.65% → 4.50% → 4.20% → 3.79%

| 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

Rate History: 3.82% → 4.25% → 1.46% → 3.70% → 3.65%

Rate History: 4.25% → 4.75% → 4.00% → 3.50%

Rate History: 3.75% → 3.40% → 3.75% → 3.60% → 3.40%

| Aug 5, 2022

The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More

Rate History: 3.44% → 3.29% → 4.00% → 3.29%

Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%

| 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

Rate History: 4.76% → 3.05%

Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%

| 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

Rate History: 1.20% → 3.00%

| 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

Rate History: 4.25% → 3.00%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%

| 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

Rate History: 3.04% → 2.48%

Rate History: 4.00% → 3.00% → 2.00%

Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 2.00% → 1.50% → 3.25% → 2.00%

| 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

Rate History: 3.50% → 1.00%

0.97%

$10,000

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0.90%

$10,000

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0.80%

$100,000

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0.80%

$10,000

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0.75%

$100,000

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0.75%

$100,000

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0.75%

$100,000

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| Mar 2, 2019

does require us citizenship? Read More

| 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

0.65%

$100,000

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0.65%

$100,000

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0.65%

$100,000

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0.65%

$10,000

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0.65%

$100,000

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0.65%

$100,000

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0.65%

$100,000

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0.61%

$10,000

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0.60%

$100,000

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| Aug 22, 2020

Good for mobile home loans in parks, Read More

0.60%

$10,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$100,000

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0.55%

$10,000

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0.55%

$10,000

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| Mar 17, 2015

I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More

| Jan 29, 2019

The Bank does not have this product. Read More

0.55%

$10,000

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0.50%

$1,000

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0.50%

$10,000

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| Mar 2, 2019

does require us citizenship? Read More

0.50%

$10,000

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0.50%

$100,000

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0.50%

$100,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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| Jul 22, 2015

Fix your automated system so I can find information after you close Read More

0.45%

$10,000

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0.45%

$10,000

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0.45%

$100,000

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0.45%

$100,000

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0.45%

$10,000

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0.45%

$100,000

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0.42%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$2,500

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.35%

$10,000

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0.35%

$100,000

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0.35%

$100,000

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0.35%

$10,000

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| 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

0.35%

$100,000

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0.35%

$10,000

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| 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

0.30%

$100,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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| 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

0.30%

$100,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.30%

$100,000

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0.30%

$100,000

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0.30%

$10,000

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0.30%

$10,000

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0.27%

$10,000

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0.27%

$10,000

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Early Withdrawal Penalty is 181 days interest.

| 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

0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$100,000

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0.25%

$100,000

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| 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

0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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| 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

0.25%

$100,000

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0.22%

$100,000

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0.22%

$100,000

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| 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

0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$100,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$100,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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| Mar 9, 2021

the worst bank I've ever dealt with in my 72 years Read More

0.19%

$10,000

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0.18%

$10,000

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0.15%

$10,000

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| Mar 17, 2015

I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More

0.15%

$100,000

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0.15%

$10,000

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| May 21, 2018

I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More

0.15%

$10,000

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0.15%

$100

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| 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

| 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

| 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

| Mar 9, 2021

the worst bank I've ever dealt with in my 72 years Read More

0.10%

$10,000

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| Mar 17, 2015

I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More

| 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

0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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| 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

0.05%

$10,000

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0.05%

$10,000

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| 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

| 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

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116


Branch Street City State
Community Commerce Bank
Community Commerce Bank Branch
358 W Foothill Blvd Claremont CA
Finworth, a division of InsBank
Century City Loan Production Office Branch
1999 Avenue Of The Stars, Suite 1100 Century City CA
Beal Bank USA
Sacramento Branch
2381 Fair Oaks Bouleard, Suite 8 Sacramento CA
Monet Bank
Brentwood Branch
11755 Wilshire Boulevard, Suite 10 Los Angeles CA
Poppy Bank
Poppy Bank Branch
438 First Street Santa Rosa CA
HSBC Bank USA, National Association
Beverly Hills Branch
445 North Bedford Drive Beverly Hills CA
First Foundation Bank
Seal Beach Branch
13962 Seal Beach Blvd. Seal Beach CA
Bank of Whittier, National Association
Bank Of Whittier, National Association Branch
15141 East Whittier Boulevard Whittier CA
EverTrust Bank
Evertrust Bank Branch
2 North Lake Ave., Suite 1030 Pasadena CA
Bank of Hope
Bank Of Hope Branch
3200 Wilshire Boulevard Suite 1400 Los Angeles CA
Amalgamated Bank
Amalgamated Bank Branch
472 East Colorado Blvd. Pasadena CA
C3bank, National Association
San Marcos Branch
1110 San Marino Drive San Marcos CA
CTBC Bank Corp. (USA)
Ctbc Bank Corp. (Usa) Branch
801 South Figueroa Street, Suite 2300 Los Angeles CA
FirstBank
42nd & Washington Branch
42-035 Washington Street Palm Desert CA
State Bank of India (California)
State Bank Of India (California) Branch
707 Wilshire Boulevard, Suite 2900 Los Angeles CA
Bank of America, National Association
Bank Of America Plaza Branch
333 South Hope Street, Suite 100 Los Angeles CA
Zions Bank
San Francisco Main Branch
465 California Street San Francisco CA
Citibank, National Association
La Main Branch
787 West Fifth Street Los Angeles CA
Habib American Bank
Los Angeles Branch
110 East Ninth Street, Al-10 Los Angeles CA
Comerica Bank
El Segundo Branch
2321 Rosecrans Ave Ste 1225 El Segundo CA
City National Bank
City National Bank Branch
555 S. Flower Street Los Angeles CA
Fremont Bank
Fremont Bank Branch
39150 Fremont Boulevard Fremont CA
JPMorgan Chase Bank, National Association
San Francisco Branch
560 Mission Street, Floor 12 San Francisco CA
Wells Fargo Bank, National Association
Beverly Hills Branch
9600 Santa Monica Boulevard Beverly Hills CA
American Plus Bank, N.A.
American Plus Bank, N.A. Branch
630 West Duarte Road Arcadia CA
PCB Bank
Pacific City Bank Branch
3701 Wilshire Boulevard, Suite 900 Los Angeles CA
First Bank
Douglas Branch
1625 Douglas Boulevard Roseville CA
California International Bank, N.A.
California International Bank, N.A. Branch
8632 East Valley Boulevard, Suite A Rosemead CA
Summit State Bank
Summit State Bank Branch
500 Bicentennial Way Santa Rosa CA
Nano Banc
Commerce Bank Of Temecula Valley Branch
25220 Hancock Avenue, Suite #140 Murrieta CA
Balboa Thrift and Loan Association
Balboa Thrift And Loan Association Branch
865 Amena Court Chula Vista CA
Golden Valley Bank
Golden Valley Bank Branch
190 Cohasset Road, Suite 170 Chico CA
United Pacific Bank
United Pacific Bank Branch
1630 South Azusa Avenue City Of Industry CA
Community Bank of Santa Maria
Community Bank Of Santa Maria Branch
2739 Santa Maria Way Santa Maria CA
First Credit Bank
First Credit Bank Branch
9255 Sunset Boulevard Los Angeles CA
Shinhan Bank America
California Regional Office/Olympic B Branch
3000 West Olympic Boulevard Los Angeles CA
American First National Bank
City Of Industry Branch
18605 East Gale Ave, Suite 100 City Of Industry CA
US Metro Bank
Us Metro Bank Branch
9866 Garden Grove Boulevard Garden Grove CA
Partners Bank of California
Partners Bank Of California Branch
27201 Puerta Real, Suite 160 Mission Viejo CA
United Pacific Bank
United Pacific Bank Branch
1630 South Azusa Avenue City Of Industry CA
Wallis Bank
Wall Street Branch
855 S. Wall Street #855w Los Angeles CA
Hanmi Bank
Hanmi Bank Branch
3660 Wilshire Boulevard, Suite A Los Angeles CA
First General Bank
First General Bank Branch
19036 Colima Road Rowland Heights CA
First Western Trust Bank
First Western Trust Bank Century Cit Branch
1900 Avenue Of The Stars, Suite 900 Los Angeles CA
Mega Bank
Mega Bank Branch
245 West Valley Boulevard San Gabriel CA
Murphy Bank
Murphy Bank Branch
5180 North Palm Avenue Fresno CA
First Federal Savings and Loan Association of San Rafael
First Federal Savings And Loan Assoc Branch
1030 Third St San Rafael CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION
Beacon Business Bank, National Association Branch
88 Kearny Street, Suite 1750 San Francisco CA
American First National Bank
City Of Industry Branch
18605 East Gale Ave, Suite 100 City Of Industry CA
Mission National Bank
Mission National Bank Branch
3060 Sixteenth Street San Francisco CA
SMBC MANUBANK
Manufacturers Bank Branch
515 South Figueroa Street, Ground Floor Los Angeles CA
Nano Banc
Commerce Bank Of Temecula Valley Branch
25220 Hancock Avenue, Suite #140 Murrieta CA
Community Valley Bank
Community Valley Bank Branch
1443 Main Street El Centro CA
Commonwealth Business Bank
Commonwealth Business Bank Branch
3435 Wilshire Boulevard. Suite 100 Los Angeles CA
Wallis Bank
Wall Street Branch
855 S. Wall Street #855w Los Angeles CA
Gateway Bank, F.S.B.
Gateway Bank, F.S.b. Branch
360 Eighth Street Oakland CA
Home Bank of California
Home Bank Of California Branch
4493 Ruffin Road San Diego CA
First Credit Bank
First Credit Bank Branch
9255 Sunset Boulevard Los Angeles CA
Partners Bank of California
Partners Bank Of California Branch
27201 Puerta Real, Suite 160 Mission Viejo CA
Industrial and Commercial Bank of China USA, National Association
San Francisco Chinatown Branch
1001 Grant Avenue San Francisco CA
FFB Bank
Fresno First Bank Branch
7690 N. Palm Avenue, Ste. 101 Fresno CA
Golden Bank, National Association
Tustin Branch
2827 Park Avenue Tustin CA
US Metro Bank
Us Metro Bank Branch
9866 Garden Grove Boulevard Garden Grove CA
Golden State Bank
Golden State Bank Branch
500 North Brand Boulevard Suite 2300 Glendale CA
Hanmi Bank
Hanmi Bank Branch
3660 Wilshire Boulevard, Suite A Los Angeles CA
Pacific Premier Bank, National Association
El Paseo Branch
73-745 El Paseo Drive Palm Desert CA
Community Bank of Santa Maria
Community Bank Of Santa Maria Branch
2739 Santa Maria Way Santa Maria CA
Golden Bank, National Association
Tustin Branch
2827 Park Avenue Tustin CA
Industrial and Commercial Bank of China USA, National Association
San Francisco Chinatown Branch
1001 Grant Avenue San Francisco CA
Universal Bank
Universal Bank Branch
3455 Nogales Street, Suite #105 West Covina CA
FFB Bank
Fresno First Bank Branch
7690 N. Palm Avenue, Ste. 101 Fresno CA
Western Alliance Bank
San Jose Branch
55 Almaden Blvd San Jose CA
Mission Bank
Ridgecrest Branch
1450 North Norma Ridgecrest CA
California Business Bank
California Business Bank Branch
3200 El Camino Real, Suite 220 Irvine CA
Mission National Bank
Mission National Bank Branch
3060 Sixteenth Street San Francisco CA
Industrial and Commercial Bank of China USA, National Association
San Francisco Chinatown Branch
1001 Grant Avenue San Francisco CA
Open Bank
Open Bank Branch
1000 Wilshire Boulevard, Suite 100 Los Angeles CA
Citizens Business Bank
Citizens Business Bank Branch
701 North Haven Avenue Ontario CA
Monterey County Bank
Monterey County Bank Branch
601 Munras Avenue Monterey CA
Tustin Community Bank
Tustin Community Bank Branch
13891 Newport Avenue, Suites 100 & 130 Tustin CA
Malaga Bank F.S.B.
Malaga Bank F.S.b. Branch
2514 Via Tejon Palos Verdes Peninsula CA
Avidbank
Avidbank Branch
1732 N 1st St. 6th Floor San Jose CA
Golden State Bank
Golden State Bank Branch
500 North Brand Boulevard Suite 2300 Glendale CA
Bank of Stockton
Bank Of Stockton Branch
301 East Miner Avenue Stockton CA
CTBC Bank Corp. (USA)
Ctbc Bank Corp. (Usa) Branch
801 South Figueroa Street, Suite 2300 Los Angeles CA
Neighborhood National Bank
Neighborhood National Bank Branch
3511 National Avenue San Diego CA
Metropolitan Bank
Metropolitan Bank Branch
250 East 18th Street Oakland CA
CalPrivate Bank
San Diego Private Bank Branch
801 Orange Avenue, Suite 101 Coronado CA
Western Alliance Bank
San Jose Branch
55 Almaden Blvd San Jose CA
United Business Bank
Oakland Hegenberger Branch
100 Hegenberger Road, Suite 110 Oakland CA
United Security Bank
Taft Branch
523 Cascade Place Taft CA
Citizens Business Bank
Citizens Business Bank Branch
701 North Haven Avenue Ontario CA
California Bank of Commerce, National Association
El Paseo Branch
74175 El Paseo Drive Palm Desert CA
Universal Bank
Universal Bank Branch
3455 Nogales Street, Suite #105 West Covina CA
Farmers and Merchants Bank of Long Beach
Farmers And Merchants Bank Of Long B Branch
302 Pine Avenue Long Beach CA
Metropolitan Bank
Metropolitan Bank Branch
250 East 18th Street Oakland CA
CalPrivate Bank
San Diego Private Bank Branch
801 Orange Avenue, Suite 101 Coronado CA
Malaga Bank F.S.B.
Malaga Bank F.S.b. Branch
2514 Via Tejon Palos Verdes Peninsula CA
Bank of Hope
Bank Of Hope Branch
3200 Wilshire Boulevard Suite 1400 Los Angeles CA
Beneficial State Bank
Los Angeles Branch
3626 East First Street Los Angeles CA
Bank of the Orient
Bank Of The Orient Branch
233 Sansome Street San Francisco CA
Armed Forces Bank, National Association
Armed Forces Bank Of California, National Association Branch
2260 Callagan Highway, Building 3187a, Suite 1 San Diego CA
Endeavor Bank
Endeavor Bank Branch
750 B Street Suite 3110 San Diego CA
Commercial Bank of California
Sherman Oaks Branch
14724 Ventura Boulevard, Suite 100 Sherman Oaks CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION
Beacon Business Bank, National Association Branch
88 Kearny Street, Suite 1750 San Francisco CA
First General Bank
First General Bank Branch
19036 Colima Road Rowland Heights CA
Cathay Bank
Cathay Bank Branch
777 North Broadway Street Los Angeles CA
Avidbank
Avidbank Branch
1732 N 1st St. 6th Floor San Jose CA
Mission Bank
Ridgecrest Branch
1450 North Norma Ridgecrest CA
Asian Pacific National Bank
Asian Pacific National Bank Branch
333 West Valley Boulevard San Gabriel CA
California Bank of Commerce, National Association
El Paseo Branch
74175 El Paseo Drive Palm Desert CA
Pinnacle Bank
Pinnacle Bank Branch
7597 Monterey Street Gilroy CA
West Coast Community Bank
Santa Cruz County Bank Branch
720 Front St Santa Cruz CA
Bank of San Francisco
Bank Of San Francisco Branch
575 Market Street, Suite 900 San Francisco CA
El Dorado Savings Bank, F.S.B.
El Dorado Savings Bank, F.S.b. Branch
4040 El Dorado Road Placerville CA
GBC International Bank
Gbc International Bank Branch
5670 Wilshire Boulevard, Suite 1780 Los Angeles CA
Eastern International Bank
Eastern International Bank Branch
688 New High Street Los Angeles CA
Commercial Bank of California
Sherman Oaks Branch
14724 Ventura Boulevard, Suite 100 Sherman Oaks CA
United Security Bank
Taft Branch
523 Cascade Place Taft CA
United Business Bank
Oakland Hegenberger Branch
100 Hegenberger Road, Suite 110 Oakland CA
Plumas Bank
Susanville Branch
3000 Riverside Drive Susanville CA
Bank of the Sierra
Bank Of The Sierra Branch
90 North Main Street Porterville CA
Exchange Bank
Exchange Bank Branch
545 Fourth Street Santa Rosa CA
El Dorado Savings Bank, F.S.B.
El Dorado Savings Bank, F.S.b. Branch
4040 El Dorado Road Placerville CA
Five Star Bank
Five Star Bank Branch
6810 Five Star Boulevard Rocklin CA
HCN Bank
The Bank Of Hemet Branch
3715 Sunnyside Drive Riverside CA
Infinity Bank
Infinity Bank Branch
6 Hutton Centre Drive Suite 100 Santa Ana CA
Pacific Valley Bank
Pacific Valley Bank Branch
422 Main Street Salinas CA
Heritage Bank of Commerce
Heritage Bank Of Commerce Branch
150 Almaden Boulevard San Jose CA
Oak Valley Community Bank
Oak Valley Community Bank Branch
125 North Third Avenue Oakdale CA
Bank of San Francisco
Bank Of San Francisco Branch
575 Market Street, Suite 900 San Francisco CA
Bank of the Orient
Bank Of The Orient Branch
233 Sansome Street San Francisco CA
Provident Savings Bank, F.S.B.
Provident Savings Bank, F.S.b. Branch
6570 Magnolia Ave Riverside CA
Plumas Bank
Susanville Branch
3000 Riverside Drive Susanville CA
American Riviera Bank
American Riviera Bank Branch
1033 Anacapa Street Santa Barbara CA
Exchange Bank
Exchange Bank Branch
545 Fourth Street Santa Rosa CA
Westamerica Bank
Santa Rosa Branch
111 Santa Rosa Avenue Santa Rosa CA
Bank of the Sierra
Bank Of The Sierra Branch
90 North Main Street Porterville CA
Golden Valley Bank
Golden Valley Bank Branch
190 Cohasset Road, Suite 170 Chico CA
First Pacific Bank
Friendly Hills Bank Branch
16011 E. Whittier Boulevard Whittier CA
Community Valley Bank
Community Valley Bank Branch
1443 Main Street El Centro CA
Column National Association
Northern California National Bank Branch
1717 Mangrove Avenue, Suite 100 Chico CA
Montecito Bank & Trust
Montecito Bank & Trust Branch
1000 State Street Santa Barbara CA
Provident Savings Bank, F.S.B.
Provident Savings Bank, F.S.b. Branch
6570 Magnolia Ave Riverside CA
Bank of Marin
Bank Of Marin Branch
504 Redwood Boulevard Novato CA
Mechanics Bank
Mechanics Bank Branch
1111 Civic Drive Walnut Creek CA
Umpqua Bank
Yuba City Hwy 20 Branch
777 Colusa Avenue Yuba City CA
MidFirst Bank
Century City Branch
1875 Century Park East, Suite 1400 Los Angeles CA
Westamerica Bank
Santa Rosa Branch
111 Santa Rosa Avenue Santa Rosa CA
Heritage Bank of Commerce
Heritage Bank Of Commerce Branch
150 Almaden Boulevard San Jose CA
Community Valley Bank
Community Valley Bank Branch
1443 Main Street El Centro CA
Comerica Bank
El Segundo Branch
2321 Rosecrans Ave Ste 1225 El Segundo CA
Sunwest Bank
Sunwest Bank Branch
2050 Main Street Irvine CA
Bank of Guam
San Francisco Branch
400 Montgomery Street San Francisco CA
Column National Association
Northern California National Bank Branch
1717 Mangrove Avenue, Suite 100 Chico CA
Mega Bank
Mega Bank Branch
245 West Valley Boulevard San Gabriel CA
East West Bank
Montgomery Branch
555 Montgomery Street San Francisco CA
California Pacific Bank
California Pacific Bank Branch
100 Montgomery Street, Suite 2250 San Francisco CA
American Business Bank
American Business Bank Branch
523 West 6th Street, Suite 900 Los Angeles CA
U.S. Bank National Association
Westwood Branch
10866 Wilshire Boulevard Los Angeles CA
Umpqua Bank
Yuba City Hwy 20 Branch
777 Colusa Avenue Yuba City CA
First-Citizens Bank & Trust Company
First Regional Bank Branch
1801 Century Park East Los Angeles CA


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. 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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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