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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Rancho Santa Margarita
Below are the best one-year CD Rates from banks in Rancho Santa Margarita, 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.
Rancho Santa Margarita, CA - September 1, 2025
1 Year CD National Average : 0.55% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.25% |
$25,000 |
- |
Learn More
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Early Withdrawal Penalty is 6 months interest. |
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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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4.25% |
$10,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 270 days interest. |
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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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4.25% |
$1,000 |
- |
Learn More
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Early Withdrawal Penalty is 90 days interest. |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.20% |
$2,500 |
- |
Learn More
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Early Withdrawal Penalty is 90 days interest. |
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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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4.05% |
$1,000 |
14.36 |
Learn More
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Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05% |
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3.90% |
$1,000 |
21.25 |
Learn More
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Rate History: 4.40% → 4.30% → 4.10% → 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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3.85% |
$500 |
- |
Learn More
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Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.80% |
$2,500 |
13.43 |
Learn More
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Rate History: 4.60% → 4.25% → 4.00% → 3.90% → 3.80% |
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james | Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More |
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3.79% 0.30% |
$250,000 $1,000 |
21.28 |
Learn More
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Rate History: 4.70% → 4.65% → 4.50% → 4.20% → 3.79% |
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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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3.50% |
$25,000 |
23.80 |
Learn More
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Rate History: 4.25% → 4.75% → 4.00% → 3.50% |
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3.29% |
$1,000 |
12.35 |
Learn More
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Rate History: 3.44% → 3.29% → 4.00% → 3.29% |
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3.25% |
$100,000 |
21.76 |
Learn More
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Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25% |
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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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3.00% |
$0 |
21.34 |
Learn More
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Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 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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3.00% 0.10% |
$2,500 $1 |
18.66 |
Learn More
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Rate History: 4.25% → 3.00% |
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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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3.00% |
$0 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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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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2.48% |
$10,000 |
18.71 |
Learn More
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Rate History: 3.04% → 2.48% |
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2.00% |
$10,000 |
22.57 |
Learn More
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Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00% |
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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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2.00% |
$25,000 |
23.34 |
Learn More
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Rate History: 2.00% → 1.50% → 3.25% → 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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1.00% |
$1,000 |
23.39 |
Learn More
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Rate History: 3.50% → 1.00% |
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0.97% |
$10,000 |
19.76 |
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0.75% |
$100,000 |
13.85 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.70% |
$10,000 |
12.63 |
Learn More
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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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0.65% |
$100,000 |
21.04 |
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0.65% |
$100,000 |
6.23 |
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0.65% |
$100,000 |
21.10 |
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0.55% |
$10,000 |
24.40 |
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0.55% |
$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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0.50% |
$10,000 |
13.85 |
Learn More
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.50% |
$10,000 |
6.23 |
Learn More
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0.50% |
$10,000 |
21.04 |
Learn More
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0.50% |
$100,000 |
24.94 |
Learn More
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0.50% |
$10,000 |
21.10 |
Learn More
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0.50% |
$10,000 |
13.99 |
Learn More
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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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0.40% |
$100,000 |
23.18 |
Learn More
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0.40% |
$10,000 |
13.21 |
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0.40% |
$10,000 |
24.94 |
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0.35% |
$100,000 |
13.83 |
Learn More
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0.35% |
$10,000 |
23.18 |
Learn More
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0.30% |
$1,000 |
- |
Learn More
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RTN1949 | 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 |
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0.30% |
$10,000 |
20.57 |
Learn More
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0.30% |
$10,000 |
13.83 |
Learn More
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0.30% |
$100,000 |
24.84 |
Learn More
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0.30% |
$50,000 |
18.08 |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 181 days interest. |
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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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0.25% |
$10,000 |
24.84 |
Learn More
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0.20% |
$1,000 |
- |
Learn More
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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 |
24.39 |
Learn More
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0.20% |
$100,000 |
14.97 |
Learn More
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0.15% |
$500 |
- |
Learn More
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The Duffster | 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 |
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0.15% |
$10,000 |
14.97 |
Learn More
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0.15% |
$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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0.15% 0.01% |
$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% |
$100 |
13.49 |
Learn More
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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% |
$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.
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.
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.
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.
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.
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.
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.
Use or Change these Amounts And Rates