California

Image Courtesy: www.pixabay.com

California CD Rates

You are viewing rates from banks across California





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

CA - July 31, 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: 4.35% → 4.55% → 4.35% → 4.20% → 4.46%

| 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

Warning: Early Withdrawal Penalty is 270 days interest.
Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%

| 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 3 months interest.
Rate History: 4.50% → 4.45% → 4.40% → 4.00% → 4.40%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.10% → 4.35% → 4.25% → 4.05% → 4.35%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early Withdrawal Penalty is 30 days interest.
Rate History: 4.75% → 4.50% → 4.45% → 4.25% → 4.30%

| May 6, 2023

Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.40% → 4.25% → 4.40% → 4.30%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. 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

Rate History: 5.15% → 4.70% → 4.20% → 4.00% → 4.25%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. 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: 4.25% → 4.15% → 4.25% → 4.45% → 4.21%

| Aug 26, 2022

Too slow to raise rates. 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.84% → 4.42% → 4.20% → 4.40% → 4.19%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 4.25% → 4.15% → 4.00% → 4.15%

| Sep 30, 2023

CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More

Rate History: 4.30% → 4.20% → 4.10% → 4.25% → 4.10%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.02% → 4.85% → 4.25% → 4.21% → 4.10%

| Mar 19, 2022

Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%

| Nov 21, 2023

A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 5.18% → 5.02% → 5.18% → 4.30% → 4.08%

| Jun 1, 2021

Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. 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%

Early Withdrawal Penalty is 30 days interest.
Rate History: 4.56% → 4.43% → 4.31% → 4.21% → 4.01%

| Jul 23, 2023

easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.50% → 4.20% → 4.00% → 4.10% → 4.00%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

Rate History: 4.90% → 4.80% → 4.70% → 4.10% → 4.00%

| Jan 10, 2024

AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 5.15% → 5.00% → 4.25% → 4.15% → 4.00%

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.20% → 3.00% → 4.90% → 4.55% → 4.75%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.60% → 4.50% → 4.40% → 4.20% → 4.00%

| Oct 23, 2023

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More

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: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

4.00%

$10,000

-

Learn More

Rate History: 1.81% → 4.85% → 4.75% → 4.30% → 4.00%

| Nov 3, 2023

site does not update at all, totally wrong rates listed Read More

Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.90% → 4.40% → 4.30% → 4.10% → 4.00%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. 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: 5.00% → 5.25% → 5.60% → 4.30% → 3.90%

| Sep 18, 2023

I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... 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

Early Withdrawal Penalty is 1% of principal.

| Dec 22, 2018

I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More

Rate History: 4.25% → 4.10% → 4.00% → 3.90% → 3.85%

| Aug 13, 2023

Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... 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

-

Learn More

Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.70% → 4.10% → 4.00% → 3.90% → 3.80%

| Mar 20, 2025

A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.60% → 4.40% → 4.10% → 4.00% → 3.75%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Rate History: 2.95% → 3.75%

| Dec 8, 2020

Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More

Rate History: 1.25% → 2.00% → 1.25% → 4.25% → 3.75%

| Apr 30, 2019

No issues. I feel confident using them. Read More

Rate History: 4.00% → 4.50% → 4.00% → 3.75%

| Jan 28, 2025

4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More

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

• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings.
Rate History: 5.17% → 5.00% → 4.08% → 4.06% → 3.55%

| May 21, 2021

avoid this Read More

Rate History: 3.85% → 3.64% → 3.54%

Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%

| May 19, 2018

Experience Read More

Warning: Early Withdrawal Penalty is 12 Months interest.
Rate History: 5.60% → 5.30% → 4.75% → 4.00% → 3.50%

| Jul 6, 2023

This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%

| Nov 18, 2023

bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More

Rate History: 1.10% → 3.50%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

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

Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%

| Mar 20, 2016

Good solid bank. Read More

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: 3.85% → 3.60% → 3.85% → 3.50% → 3.25%

| Aug 31, 2022

never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.25% → 3.75% → 4.25% → 4.10% → 3.25%

| May 2, 2022

Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 5.00% → 3.50% → 3.25%

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

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: 1.00% → 2.91%

| Mar 2, 2024

Attracted to the name, but the service had too many steps so I didn't open an account. Read More

Rate History: 0.75% → 3.00% → 2.85% → 3.00% → 2.75%

| May 26, 2017

Before009 Read More

Rate History: 3.04% → 2.48%

Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

Rate History: 4.00% → 3.00% → 2.00%

Rate History: 0.05% → 2.00%

| Jul 28, 2020

Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More

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: 4.65% → 3.00% → 1.80%

| Feb 24, 2020

I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More

Rate History: 1.65% → 1.01% → 4.15% → 1.01%

Rate History: 3.50% → 1.00%

0.97%

$10,000

-

Learn More

0.90%

$10,000

-

Learn More

0.80%

$100,000

-

Learn More

0.80%

$10,000

-

Learn More

0.75%

$100,000

-

Learn More

0.75%

$100,000

-

Learn More

0.75%

$100,000

-

Learn More

| Mar 2, 2019

does require us citizenship? Read More

Rate History: 0.75% → 0.30% → 0.75%

| 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

-

Learn More

0.65%

$100,000

-

Learn More

0.65%

$100,000

-

Learn More

0.65%

$10,000

-

Learn More

0.65%

$100,000

-

Learn More

0.65%

$100,000

-

Learn More

0.65%

$100,000

-

Learn More

0.61%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

| Aug 22, 2020

Good for mobile home loans in parks, Read More

0.60%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

| 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

-

Learn More

0.50%

$1,000

-

Learn More

0.50%

$10,000

-

Learn More

| Mar 2, 2019

does require us citizenship? Read More

0.50%

$10,000

-

Learn More

0.50%

$100,000

-

Learn More

0.50%

$100,000

-

Learn More

0.50%

$100,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$100,000

-

Learn More

0.50%

$10,000

-

Learn More

| Jul 22, 2015

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

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$100,000

-

Learn More

0.45%

$100,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$100,000

-

Learn More

Rate History: 0.45% → 2.02% → 0.45%

| Aug 28, 2022

Rates are totally uncompetitive now. Read More

0.42%

$100,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$2,500

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$100,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$100,000

-

Learn More

0.40%

$100,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$100,000

-

Learn More

0.35%

$100,000

-

Learn More

0.35%

$10,000

-

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

0.35%

$100,000

-

Learn More

0.35%

$10,000

-

Learn More

| 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

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

| 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

-

Learn More

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.30%

$100,000

-

Learn More

0.30%

$100,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.27%

$10,000

-

Learn More

0.27%

$10,000

-

Learn More

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

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$100,000

-

Learn More

0.25%

$100,000

-

Learn More

| 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

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

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

0.25%

$100,000

-

Learn More

0.22%

$100,000

-

Learn More

0.22%

$100,000

-

Learn More

| 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

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$100,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$100,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

| Mar 9, 2021

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

0.19%

$10,000

-

Learn More

0.18%

$10,000

-

Learn More

0.15%

$10,000

-

Learn More

| 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

-

Learn More

0.15%

$10,000

-

Learn More

| 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

-

Learn More

0.15%

$100

-

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

| Mar 9, 2021

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

0.10%

$10,000

-

Learn More

| 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

-

Learn More

0.10%

$10,000

-

Learn More

0.10%

$10,000

-

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

-

Learn More

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

0.05%

$10,000

-

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

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... 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
Claremont Branch
390 West Foothill Boulevard 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
San Jose Branch
5180 Stevens Creek Boulevard, Suite 20 San Jose CA
Monet Bank
San Diego Branch
8880 Rio San Diego Dr Suite 103 San Diego CA
Poppy Bank
Oakmont Branch
6580 Oakmont Drive Santa Rosa CA
HSBC Bank USA, National Association
Garden Grove Branch
9622 Garden Grove Boulevard, Suite 101 Garden Grove CA
First Foundation Bank
Laguna Hills Branch
24181 Ronda Del Rossmoor Laguna Hills CA
Bank of Whittier, National Association
Bank Of Whittier, National Association Branch
15141 East Whittier Boulevard Whittier CA
EverTrust Bank
Cupertino Branch
20510 Stevens Creek Blvd. Cupertino CA
Bank of Hope
Fullerton Branch
5300 Beach Boulevard, Unit 101 Buena Park CA
Amalgamated Bank
Amalgamated Bank Branch
472 East Colorado Blvd. Pasadena CA
C3bank, National Association
First National Bank Of Southern Cali Branch
3727 Arlington Avenue Riverside CA
CTBC Bank Corp. (USA)
Ctbc Bank Corp. (Usa) Branch
801 South Figueroa Street, Suite 2300 Los Angeles CA
FirstBank
42nd & Jackson Branch
82900 Avenue 42 Indio CA
State Bank of India (California)
San Diego Branch
9494 Black Mountain Road Ste C San Diego CA
Bank of America, National Association
Pasadena Pwm Branch
800 E Colorado Blvd Pasadena CA
Zions Bank
San Marcos Branch
978 San Marcos Boulevard San Marcos CA
Citibank, National Association
West, National Association Branch
One Sansome Street, 22nd Floor San Francisco CA
Habib American Bank
Artesia Branch
18357 Pioneer Boulevard Artesia CA
Comerica Bank
Carmel Main Branch
Dolores Street Between 7th And 8th Avenues Carmel CA
City National Bank
La Palma Branch
One Centerpointe Drive La Palma CA
Fremont Bank
Newark Branch
5829 Jarvis Avenue, Suite C Newark CA
JPMorgan Chase Bank, National Association
San Francisco - Embarcadero Branch
Two Embarcadero Ctr Branch San Francisco CA
Wells Fargo Bank, National Association
Carmel-By-the-sea Branch
San Carlos And Ocean Street Carmel CA
American Plus Bank, N.A.
American Plus Bank, N.A. Branch
630 West Duarte Road Arcadia CA
PCB Bank
Downtown Fashion District Branch
777 E. 12th Street, Suite 200 Los Angeles CA
First Bank
Kearny Mesa Branch
9363 Clairemont Mesa Boulevard, Suite S San Diego 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
Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch
705 W Central Avenue Lompoc CA
First Credit Bank
First Credit Bank Branch
9255 Sunset Boulevard Los Angeles CA
Shinhan Bank America
Buena Park Branch
5450 Beach Boulevard Buena Park CA
American First National Bank
Alhambra Branch
1420 East Valley Boulevard, Suite A Alhambra 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
Irvine Branch
1140 Roosevelt Irvine 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
Murphy Bank
Murphy Bank Branch
5180 North Palm Avenue Fresno CA
First Federal Savings and Loan Association of San Rafael
6058 College Avenue Branch
6058 College Avenue Oakland CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION
Peninsula Branch
1700 S. El Camino Real Ste 108 San Mateo CA
American First National Bank
Alhambra Branch
1420 East Valley Boulevard, Suite A Alhambra CA
Mission National Bank
Mission National Bank Branch
3060 Sixteenth Street San Francisco CA
SMBC MANUBANK
Beverly Hills Branch
9777 Wilshire Boulevard Beverly Hills CA
Nano Banc
Commerce Bank Of Temecula Valley Branch
25220 Hancock Avenue, Suite #140 Murrieta CA
Community Valley Bank
Brawley Branch
310 Main Street Brawley CA
Commonwealth Business Bank
Irvine Center Branch
9120 Irvine Center Drive, #100 Irvine 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
Clement Street Branch
622 Clement Street 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
Brea Branch
403 W. Imperial Highway, Suite D Brea CA
Hanmi Bank
Irvine Branch
1140 Roosevelt Irvine CA
Pacific Premier Bank, National Association
Montebello Office Branch
2417 West Whittier Blvd Montebello CA
Community Bank of Santa Maria
Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch
705 W Central Avenue Lompoc CA
Golden Bank, National Association
Tustin Branch
2827 Park Avenue Tustin CA
Industrial and Commercial Bank of China USA, National Association
Clement Street Branch
622 Clement Street San Francisco CA
Universal Bank
Rosemead Branch
3676 Rosemead Boulevard Rosemead CA
FFB Bank
Fresno First Bank Branch
7690 N. Palm Avenue, Ste. 101 Fresno CA
Western Alliance Bank
Kearny Mesa Branch
9280 Clairemont Mesa Boulevard San Diego CA
Mission Bank
Lancaster Branch
43830 20th Street West Lancaster 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
Clement Street Branch
622 Clement Street San Francisco CA
Open Bank
Open Bank Branch
1000 Wilshire Boulevard, Suite 100 Los Angeles CA
Citizens Business Bank
County Commerce Bank Branch
3260 Telegraph Road Ventura 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.
Rolling Hills Estates Branch
27450 Hawthorne Boulevard Rolling Hills Estates CA
Avidbank
Avidbank Branch
1732 N 1st St. 6th Floor San Jose CA
Golden State Bank
Brea Branch
403 W. Imperial Highway, Suite D Brea CA
Bank of Stockton
Lone Tree Way Branch
6590 Lone Tree Way Brentwood 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
Oakland Chinatown Branch
381 8th Street Oakland CA
CalPrivate Bank
La Jolla Branch
9404 Genesee Avenue, Suite 100 La Jolla CA
Western Alliance Bank
Kearny Mesa Branch
9280 Clairemont Mesa Boulevard San Diego CA
United Business Bank
Napa Branch
960 School Street Napa CA
United Security Bank
Convention Center Branch
855 M Street, Ste 130 Fresno CA
Citizens Business Bank
County Commerce Bank Branch
3260 Telegraph Road Ventura CA
California Bank of Commerce, National Association
La Quinta Branch
47-000 Washington La Quinta CA
Universal Bank
Rosemead Branch
3676 Rosemead Boulevard Rosemead CA
Farmers and Merchants Bank of Long Beach
Huntington Beach Branch
7125 Yorktown Avenue Huntington Beach CA
Metropolitan Bank
Oakland Chinatown Branch
381 8th Street Oakland CA
CalPrivate Bank
La Jolla Branch
9404 Genesee Avenue, Suite 100 La Jolla CA
Malaga Bank F.S.B.
Rolling Hills Estates Branch
27450 Hawthorne Boulevard Rolling Hills Estates CA
Bank of Hope
Fullerton Branch
5300 Beach Boulevard, Unit 101 Buena Park CA
Beneficial State Bank
Beneficial State Bank Branch
1438 Webster Street, Suite 100 Oakland CA
Bank of the Orient
Millbrae Branch
979 Broadway Millbrae CA
Armed Forces Bank, National Association
Armed Forces Bank, National Association Branch
37 Goldstone Road, Building 918 Fort Irwin CA
Endeavor Bank
Endeavor Bank Branch
750 B Street Suite 3110 San Diego CA
Commercial Bank of California
Brea Branch
One Pointe Drive, Suite 100 Brea CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION
Peninsula Branch
1700 S. El Camino Real Ste 108 San Mateo CA
First General Bank
San Gabriel Branch
801 E. Valley Blvd Unit 103 San Gabriel CA
Cathay Bank
Far East National Bank Main Office B Branch
977 N. Broadway Los Angeles CA
Avidbank
Avidbank Branch
1732 N 1st St. 6th Floor San Jose CA
Mission Bank
Lancaster Branch
43830 20th Street West Lancaster CA
Asian Pacific National Bank
Asian Pacific National Bank Branch
333 West Valley Boulevard San Gabriel CA
California Bank of Commerce, National Association
La Quinta Branch
47-000 Washington La Quinta CA
Pinnacle Bank
Morgan Hill Branch
18181 Butterfield Boulevard, Suite 135 Morgan Hill CA
West Coast Community Bank
Capitola Branch
819 Bay Avenue Capitola 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.
Tahoe Valley Y Branch
942 Emerald Bay Rd South Lake Tahoe CA
GBC International Bank
Westminster Branch
9113 Bolsa Avenue Westminster CA
Eastern International Bank
Eastern International Bank Branch
688 New High Street Los Angeles CA
Commercial Bank of California
Brea Branch
One Pointe Drive, Suite 100 Brea CA
United Security Bank
Convention Center Branch
855 M Street, Ste 130 Fresno CA
United Business Bank
Napa Branch
960 School Street Napa CA
Plumas Bank
Redding Branch
1335 Hilltop Drive Redding CA
Bank of the Sierra
Ojai Community Bank Main Office Bran Branch
402 West Ojai Avenue Ojai CA
Exchange Bank
Windsor Branch
8700 Lakewood Drive Windsor CA
El Dorado Savings Bank, F.S.B.
Tahoe Valley Y Branch
942 Emerald Bay Rd South Lake Tahoe CA
Five Star Bank
Elk Grove Branch
9355 East Stockton Blvd. Elk Grove CA
HCN Bank
Anza Branch
56525 Highway 371 Anza CA
Infinity Bank
Infinity Bank Branch
6 Hutton Centre Drive Suite 100 Santa Ana CA
Pacific Valley Bank
Monterey Branch
498 Alvarado Street Monterey CA
Heritage Bank of Commerce
Gilroy Branch
7598 Monterey Street Gilroy CA
Oak Valley Community Bank
Modesto Dale Branch
4120-B Dale Road Modesto CA
Bank of San Francisco
Bank Of San Francisco Branch
575 Market Street, Suite 900 San Francisco CA
Bank of the Orient
Millbrae Branch
979 Broadway Millbrae CA
Provident Savings Bank, F.S.B.
La Quinta Branch
78752 U.S. Highway 111 La Quinta CA
Plumas Bank
Redding Branch
1335 Hilltop Drive Redding CA
American Riviera Bank
American Riviera Bank Branch
1033 Anacapa Street Santa Barbara CA
Exchange Bank
Windsor Branch
8700 Lakewood Drive Windsor CA
Westamerica Bank
Northgate Branch
One Mitchell Boulevard San Rafael CA
Bank of the Sierra
Ojai Community Bank Main Office Bran Branch
402 West Ojai Avenue Ojai 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
Brawley Branch
310 Main Street Brawley CA
Column National Association
Northern California National Bank Branch
1717 Mangrove Avenue, Suite 100 Chico CA
Montecito Bank & Trust
Hollister Branch
6900 Hollister Avenue Goleta CA
Provident Savings Bank, F.S.B.
La Quinta Branch
78752 U.S. Highway 111 La Quinta CA
Bank of Marin
Bank Of Napa, Na Main Office Branch
2007 Redwood Road, Suite 101 Napa CA
Mechanics Bank
Westlake Village Branch
875 S Westlake Blvd., Suite 101 Westlake Village CA
Umpqua Bank
Newport Beach Branch
4040 Macarthur Boulevard, Suite 100 Newport Beach CA
MidFirst Bank
Century City Branch
1875 Century Park East, Suite 1400 Los Angeles CA
Westamerica Bank
Northgate Branch
One Mitchell Boulevard San Rafael CA
Heritage Bank of Commerce
Gilroy Branch
7598 Monterey Street Gilroy CA
Community Valley Bank
Brawley Branch
310 Main Street Brawley CA
Comerica Bank
Carmel Main Branch
Dolores Street Between 7th And 8th Avenues Carmel CA
Sunwest Bank
Sunwest Bank Branch
905 Calle Amanecer, Suite 100 San Clemente 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
Metro United Bank Branch
7320 Clairemont Mesa Boulevard San Diego 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
Foster City Branch
999-F Edgewater Foster City CA
Umpqua Bank
Newport Beach Branch
4040 Macarthur Boulevard, Suite 100 Newport Beach CA
First-Citizens Bank & Trust Company
First-Citizens Bank & Trust Company Branch
44575 Avenida De Missiones Temecula 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.

Use or Change these Amounts And Rates