Best Special Rates and Terms in Torrance, California, CA

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Below are special Certificate of Deposit special rates and terms from banks in Torrance, California. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.

Torrance, CA - November 4, 2026

What is the best special CD rate in Torrance, CA?

As of November 4, 2026, the highest special CD rate from a bank in Torrance, CA is 4.55% APY from Finworth, a division of InsBank (minimum deposit $50,000). The best rate with a $1,000 minimum or less is 3.25% APY from CIT Bank, a division of First-Citizens Bank and Trust (minimum deposit $1,000). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.

Bank	APY	MIN	PERIOD
Finworth, a division of InsBank Century City Loan Production Office Branch	4.55%	$50,000	22 months	Learn More Reviews (1)
Rate History: 3.50% → 3.20% → 4.35% → 4.45% → 4.55%
First-Citizens Bank & Trust Company Encino Branch	4.00%	$5,000	5 months	Learn More Reviews (3)
Rate History: 3.65% → 3.55% → 3.45% → 2.50% → 4.00%
First-Citizens Bank & Trust Company Encino Branch	3.75%	$5,000	11 months	Learn More Reviews (3)
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
Columbia Bank of Rosenburg, Oregon Encino Branch	3.20%	$1,000	6 months	Learn More Reviews (2)
Rate History: 3.40% → 3.20%
Banner Bank Los Angeles Branch	3.05%	$2,500	7 months	Learn More Reviews (1)
Rate History: 4.08% → 3.82% → 3.56% → 3.30% → 3.05%
CTBC Bank Corp. (USA) Ctbc Bank Corp. (Usa) Branch	3.00%	$5,000	12 months	Learn More Reviews
Rate History: 3.50% → 3.00%
Banner Bank Los Angeles Branch	2.79%	$2,500	13 months	Learn More Reviews (1)
Rate History: 3.05% → 3.56% → 3.30% → 3.05% → 2.79%
Columbia Bank of Rosenburg, Oregon Encino Branch	2.50%	$1,000	12 months	Learn More Reviews (2)
Rate History: 0.01% → 3.00% → 2.50%
Banner Bank Los Angeles Branch	0.75%	$2,500	36 months	Learn More Reviews (1)
Rate History: 2.28% → 1.51% → 1.26% → 1.01% → 0.75%

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 Torrance, CA - November 4, 2026

Branch	Street	City	State
Finworth, a division of InsBank Century City Loan Production Office Branch	1999 Avenue Of The Stars, Suite 1100	Century City	CA
First-Citizens Bank & Trust Company Encino Branch	16055 Ventura Boulevard, Ste 110	Encino	CA
First-Citizens Bank & Trust Company Encino Branch	16055 Ventura Boulevard, Ste 110	Encino	CA
Columbia Bank of Rosenburg, Oregon Encino Branch	16501 Ventura Blvd., Suite 101	Encino	CA
Banner Bank Los Angeles Branch	7182 Beverly Blvd.	Los Angeles	CA
CTBC Bank Corp. (USA) Ctbc Bank Corp. (Usa) Branch	801 South Figueroa Street, Suite 2300	Los Angeles	CA
Banner Bank Los Angeles Branch	7182 Beverly Blvd.	Los Angeles	CA
Columbia Bank of Rosenburg, Oregon Encino Branch	16501 Ventura Blvd., Suite 101	Encino	CA
Banner Bank Los Angeles Branch	7182 Beverly Blvd.	Los Angeles	CA