California

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Monterey Park, California CD Rates

You are viewing rates from banks across Monterey Park





Below are the best one-year CD Rates from banks in Monterey Park, 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.

Monterey Park, CA - July 16, 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

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

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

3.82%

$1,000

10.03

Learn More

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: 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

Rate History: 3.04% → 2.48%

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

23.72

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0.75%

$100,000

1.40

Learn More

| 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

21.25

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0.65%

$10,000

1.40

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0.65%

$100,000

19.34

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0.65%

$100,000

3.51

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0.61%

$10,000

14.60

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0.60%

$100,000

2.97

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0.55%

$10,000

19.80

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| Jan 29, 2019

The Bank does not have this product. Read More

| Mar 2, 2019

does require us citizenship? Read More

0.50%

$100,000

19.47

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0.50%

$10,000

21.25

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0.50%

$100,000

15.48

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0.50%

$10,000

19.34

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| Jul 22, 2015

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

0.45%

$100,000

19.47

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0.45%

$100,000

7.76

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0.45%

$100,000

13.56

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0.40%

$10,000

6.16

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0.40%

$2,500

19.47

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0.40%

$10,000

14.05

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0.40%

$100,000

20.52

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0.40%

$100,000

21.55

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0.40%

$10,000

15.48

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0.35%

$10,000

13.56

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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%

$10,000

20.52

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0.30%

$10,000

7.76

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0.30%

$10,000

20.21

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0.30%

$10,000

21.55

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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

18.05

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0.30%

$10,000

3.51

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0.25%

$10,000

2.93

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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

5.20

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0.25%

$10,000

18.05

Learn More

| 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

0.15%

$10,000

8.06

Learn More

| 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

| 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

2.97

Learn More

| 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

6.00

Learn More

| 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 Monterey Park, CA - July 16, 2025


Branch Street City State
Community Commerce Bank
Monterey Park Branch
2323 S. Atlantic Boulevard Monterey Park CA
Monet Bank
Brentwood Branch
11755 Wilshire Boulevard, Suite 10 Los Angeles CA
HSBC Bank USA, National Association
Santa Monica Branch
1453 3rd Street Promenade, Suite 250 Santa Monica CA
First Foundation Bank
Los Angeles Branch
10850 Wilshire Blvd, Suite 100 Los Angeles 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
Torrance Market Branch
4040 Pacific Coast Hwy Torrance CA
Amalgamated Bank
Amalgamated Bank Branch
472 East Colorado Blvd. Pasadena CA
CTBC Bank Corp. (USA)
Ctbc Bank Corp. (Usa) Branch
801 South Figueroa Street, Suite 2300 Los Angeles 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
Balboa & Parthenia Branch
8720 Balboa Boulevard Northridge CA
Zions Bank
Santa Monica Branch
100 Wilshire Boulevard Santa Monica CA
Citibank, National Association
Granada Hills Branch
16800 Devonshire Street Granada Hills CA
Habib American Bank
Los Angeles Branch
110 East Ninth Street, Al-10 Los Angeles CA
Comerica Bank
Santa Monica Main Banking Center Bra Branch
1433 5th Street Santa Monica CA
City National Bank
Encino Branch
16133 Ventura Boulevard Encino CA
JPMorgan Chase Bank, National Association
Balboa & Devonshire Banking Center B Branch
10207 Balboa Blvd Northridge CA
Wells Fargo Bank, National Association
Balboa-Devonshire Branch
10225 Balboa Boulevard Northridge CA
American Plus Bank, N.A.
Pasadena Branch
171 S. Hudson Ave. Pasadena CA
PCB Bank
Torrance Branch
2505 Torrance Boulevard Torrance CA
First Bank
Encino Branch
17801 Ventura Boulevard, First Floor Encino CA
California International Bank, N.A.
California International Bank, N.A. Branch
8632 East Valley Boulevard, Suite A Rosemead CA
United Pacific Bank
San Gabriel Valley Regional Office Branch
101 West Garvey Avenue Montery Park CA
First Credit Bank
First Credit Bank Branch
9255 Sunset Boulevard Los Angeles CA
Shinhan Bank America
Torrance Branch
22501 Crenshaw Boulevard Torrance CA
US Metro Bank
Us Metro Bank Branch
9866 Garden Grove Boulevard Garden Grove CA
United Pacific Bank
San Gabriel Valley Regional Office Branch
101 West Garvey Avenue Montery Park CA
Hanmi Bank
Van Nuys Branch
14427 Sherman Way Van Nuys CA
First General Bank
San Gabriel Branch
801 E. Valley Blvd Unit 103 San Gabriel 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
SMBC MANUBANK
Encino Branch
16255 Ventura Boulevard Los Angeles CA
Commonwealth Business Bank
South Bay Branch
3770 W. Sepulveda Blvd. Torrance CA
First Credit Bank
First Credit Bank Branch
9255 Sunset Boulevard Los Angeles CA
Industrial and Commercial Bank of China USA, National Association
Torrance Branch
23133 Hawthorne Boulevard. Suite 100 Torrance CA
US Metro Bank
Us Metro Bank Branch
9866 Garden Grove Boulevard Garden Grove CA
Golden State Bank
Brea Branch
403 W. Imperial Highway, Suite D Brea CA
Hanmi Bank
Van Nuys Branch
14427 Sherman Way Van Nuys CA
Pacific Premier Bank, National Association
Manhattan Beach Office Branch
1419 Highland Avenue Manhattan Beach CA
Industrial and Commercial Bank of China USA, National Association
Torrance Branch
23133 Hawthorne Boulevard. Suite 100 Torrance CA
Universal Bank
Eagle Rock - Colorado Branch
2575 Colorado Boulevard Los Angeles CA
Western Alliance Bank
Beverly Hills Branch
9355 Wilshire Boulevard Beverly Hills CA
California Business Bank
California Business Bank Branch
3200 El Camino Real, Suite 220 Irvine CA
Industrial and Commercial Bank of China USA, National Association
Torrance Branch
23133 Hawthorne Boulevard. Suite 100 Torrance CA
Open Bank
Gardena Branch
15435 S. Western Avenue, #d Gardena CA
Citizens Business Bank
Encino Branch
16830 Ventura Blvd Suite 310 Encino CA
Malaga Bank F.S.B.
Malaga Bank F.S.b. Branch
2514 Via Tejon Palos Verdes Peninsula CA
Golden State Bank
Brea Branch
403 W. Imperial Highway, Suite D Brea CA
CTBC Bank Corp. (USA)
Ctbc Bank Corp. (Usa) Branch
801 South Figueroa Street, Suite 2300 Los Angeles CA
Western Alliance Bank
Beverly Hills Branch
9355 Wilshire Boulevard Beverly Hills CA
United Business Bank
Tri-Cities Branch
330 North Brand Blvd., Ste. 120 Glendale CA
Citizens Business Bank
Encino Branch
16830 Ventura Blvd Suite 310 Encino CA
Universal Bank
Eagle Rock - Colorado Branch
2575 Colorado Boulevard Los Angeles CA
Farmers and Merchants Bank of Long Beach
Redondo Beach Branch
1304 S. Pacific Coast Hwy Redondo Beach CA
Malaga Bank F.S.B.
Malaga Bank F.S.b. Branch
2514 Via Tejon Palos Verdes Peninsula CA
Bank of Hope
Torrance Market Branch
4040 Pacific Coast Hwy Torrance CA
Beneficial State Bank
Los Angeles Branch
3626 East First Street Los Angeles CA
Commercial Bank of California
Sherman Oaks Branch
14724 Ventura Boulevard, Suite 100 Sherman Oaks CA
First General Bank
San Gabriel Branch
801 E. Valley Blvd Unit 103 San Gabriel CA
Cathay Bank
Torrance Branch
23211 Hawthorne Boulevard, Suite 108 Torrance CA
Asian Pacific National Bank
Asian Pacific National Bank Branch
333 West Valley Boulevard San Gabriel 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 Business Bank
Tri-Cities Branch
330 North Brand Blvd., Ste. 120 Glendale CA
First Pacific Bank
Sfs Branch
12070 Telegraph Road Suite 100 Santa Fe Springs CA
Mechanics Bank
Beverly Hills Branch
100 N Crescent Dr #125 Beverly Hills CA
Umpqua Bank
Encino Branch
16501 Ventura Blvd., Suite 101 Encino CA
MidFirst Bank
Century City Branch
1875 Century Park East, Suite 1400 Los Angeles CA
Comerica Bank
Santa Monica Main Banking Center Bra Branch
1433 5th Street Santa Monica CA
Sunwest Bank
El Segundo Loan Production Office Branch
2321 Rosecrans Avenue, Suite 2215 El Segundo CA
Mega Bank
Mega Bank Branch
245 West Valley Boulevard San Gabriel CA
East West Bank
San Fernando Valley Cbc0 Branch
15821 Ventura Boulevard Encino CA
American Business Bank
American Business Bank Branch
523 West 6th Street, Suite 900 Los Angeles CA
U.S. Bank National Association
Granada Hills Ralphs Branch
16940 Devonshire Street Granada Hills CA
Umpqua Bank
Encino Branch
16501 Ventura Blvd., Suite 101 Encino CA
First-Citizens Bank & Trust Company
Encino Branch
16055 Ventura Boulevard, Ste 110 Encino 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

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