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You are viewing rates from banks across Santa Clara
Below are the best one-year CD Rates from banks in Santa Clara, 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.
Santa Clara, CA - August 2, 2025
1 Year CD National Average : 0.55% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.40% |
$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% |
$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% |
$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 |
2.85 |
Learn More
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Rate History: 4.85% → 5.15% → 5.05% → 4.50% → 4.05% |
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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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4.00% |
$1,000 |
6.65 |
Learn More
|
|
|
Rate History: 5.00% → 4.00% |
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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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|
3.90% |
$1,000 |
13.02 |
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
|
|
|
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% |
$20,000 |
4.64 |
Learn More
|
|
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Rate History: 3.05% → 3.30% → 3.80% |
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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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3.79% 0.30% |
$250,000 $1,000 |
2.65 |
Learn More
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|
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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% 0.40% |
$5,000 $4,999 |
3.91 |
Learn More
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|
3.29% |
$1,000 |
14.22 |
Learn More
|
|
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Rate History: 3.44% → 3.29% → 4.00% → 3.29% |
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|
3.25% |
$100,000 |
22.87 |
Learn More
|
|
|
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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|
3.05% |
$1,000 |
22.55 |
Learn More
|
|
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Rate History: 4.76% → 3.05% |
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|
3.00% |
$0 |
22.49 |
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 |
19.67 |
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
|
|
|
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 |
11.25 |
Learn More
|
|
|
Rate History: 3.04% → 2.48% |
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2.00% |
$2,500 |
21.90 |
Learn More
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|
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Rate History: 4.00% → 3.00% → 2.00% |
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|
2.00% |
$10,000 |
23.82 |
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 |
23.85 |
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 |
4.27 |
Learn More
|
|
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Rate History: 3.50% → 1.00% |
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|
0.65% |
$100,000 |
1.37 |
Learn More
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0.55% |
$10,000 |
2.32 |
Learn More
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0.50% |
$10,000 |
1.37 |
Learn More
|
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0.45% |
$100,000 |
13.04 |
Learn More
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0.40% |
$100,000 |
13.13 |
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|
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0.35% |
$100,000 |
6.93 |
Learn More
|
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0.35% |
$10,000 |
13.04 |
Learn More
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0.35% |
$100,000 |
7.46 |
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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0.35% |
$100,000 |
4.20 |
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 |
6.93 |
Learn More
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0.30% |
$50,000 |
4.81 |
Learn More
|
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|
0.27% |
$10,000 |
13.13 |
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 |
21.28 |
Learn More
|
|
|
0.25% |
$10,000 |
20.91 |
Learn More
|
|
|
0.25% |
$10,000 |
4.47 |
Learn More
|
|
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tomlynn | 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 |
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0.25% |
$10,000 |
4.20 |
Learn More
|
|
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0.25% |
$10,000 |
7.46 |
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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|
0.20% |
$1,000 |
- |
Learn More
|
|
|
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% |
$100,000 |
8.84 |
Learn More
|
|
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0.19% |
$100,000 |
23.83 |
Learn More
|
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scott | Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read 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% 0.01% |
$1 $0 |
3.13 |
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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0.15% |
$10,000 |
23.83 |
Learn More
|
|
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scott | Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More |
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|
0.10% |
$10,000 |
8.84 |
Learn More
|
|
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0.10% |
$10,000 |
22.29 |
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% |
$10,000 |
12.50 |
Learn More
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|
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0.05% |
$500 |
20.95 |
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 |
|---|---|---|---|
|
Beal Bank USA San Jose Branch |
5180 Stevens Creek Boulevard, Suite 20 | San Jose | CA |
|
Poppy Bank Milpitas Branch |
555 East Calaveras Boulevard | Milpitas | CA |
|
HSBC Bank USA, National Association Palo Alto Branch |
567 University Avenue | Palo Alto | CA |
|
EverTrust Bank Cupertino Branch |
20510 Stevens Creek Blvd. | Cupertino | CA |
|
Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
|
CTBC Bank Corp. (USA) Cupertino Branch |
19620 Stevens Creek Boulevard Suite 160 | Cupertino | CA |
|
State Bank of India (California) State Bank Of India (California) - F Branch |
39148 Paseo Padre Parkway | Fremont | CA |
|
Bank of America, National Association Hillsdale Branch |
2900 South El Camino Real | San Mateo | CA |
|
Zions Bank Hayward Branch |
785 Southland Drive | Hayward | CA |
|
Citibank, National Association San Mateo-Hillsdale Branch |
61 West Hillsdale Blvd | San Mateo | CA |
|
Comerica Bank San Carlos Branch |
644 Laurel Street | San Carlos | CA |
|
City National Bank Palo Alto Banking Branch |
245 Lytton Ave Suite 100 | Palo Alto | CA |
|
Fremont Bank Www.Fremontbank.com Branch |
25151 Clawiter Rd | Hayward | CA |
|
JPMorgan Chase Bank, National Association San Mateo Branch |
1730 South El Camino Real | San Mateo | CA |
|
Wells Fargo Bank, National Association Midtown San Mateo Branch |
12 17th Street | San Mateo | CA |
|
First Bank Campbell Branch |
790 East Campbell Avenue | Campbell | CA |
|
Hanmi Bank Silicon Valley Branch |
2765 El Camino Real | Santa Clara | CA |
|
SMBC MANUBANK San Jose Branch |
100 Century Center Court, Suite 205 | San Jose | CA |
|
Hanmi Bank Silicon Valley Branch |
2765 El Camino Real | Santa Clara | CA |
|
Western Alliance Bank Palo Alto Branch |
525 University Avenue | Palo Alto | CA |
|
Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
|
CTBC Bank Corp. (USA) Cupertino Branch |
19620 Stevens Creek Boulevard Suite 160 | Cupertino | CA |
|
Metropolitan Bank San Jose Branch |
1816 Tully Road, No. 192 | San Jose | CA |
|
Western Alliance Bank Palo Alto Branch |
525 University Avenue | Palo Alto | CA |
|
United Business Bank Mountain View Branch |
700 E. El Camino Real, Suite 100 | Mountain View | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
|
Metropolitan Bank San Jose Branch |
1816 Tully Road, No. 192 | San Jose | CA |
|
Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
|
Cathay Bank Cupertino Branch |
10465 South De Anza Boulevard | Cupertino | CA |
|
Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
|
Pinnacle Bank Morgan Hill Branch |
18181 Butterfield Boulevard, Suite 135 | Morgan Hill | CA |
|
West Coast Community Bank Scotts Valley Branch |
4604 Scotts Valley Drive | Scotts Valley | CA |
|
GBC International Bank San Jose Branch |
1688 Hostetter Road, Unit A-B | San Jose | CA |
|
United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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United Business Bank Mountain View Branch |
700 E. El Camino Real, Suite 100 | Mountain View | CA |
|
Heritage Bank of Commerce Los Altos Branch |
419 South San Antonio Road | Los Altos | CA |
|
Westamerica Bank Pleasanton Branch |
5700 Stoneridge Mall, Suite 110 | Pleasanton | 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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Westamerica Bank Pleasanton Branch |
5700 Stoneridge Mall, Suite 110 | Pleasanton | CA |
|
Heritage Bank of Commerce Los Altos Branch |
419 South San Antonio Road | Los Altos | CA |
|
Comerica Bank San Carlos Branch |
644 Laurel Street | San Carlos | CA |
|
East West Bank San Mateo Marina Plaza Branch |
2996a South Norfolk Street | San Mateo | CA |
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California Pacific Bank Fremont Branch |
194 Francisco Lane, Suite 100 | Fremont | CA |
|
U.S. Bank National Association Belmont Branch |
910 Ralston Avenue | Belmont | CA |
|
Umpqua Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | CA |
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