Best Special Rates and Terms in California, CA

You are viewing rates from banks across California

Below are special Certificate of Deposit special rates and terms from banks in 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.

CA - July 31, 2025

Bank	APY	MIN	PERIOD
One American Bank	5.40%	$5,000	5 months	Learn More Reviews (2)
Rate History: 5.60% → 5.35% → 4.80% → 4.45% → 5.40%
First Bank Kearny Mesa Branch	5.05%	$1,000	7 months	Learn More Reviews
Rate History: 1.00% → 5.10% → 5.05%
First Bank Kearny Mesa Branch	4.85%	$1,000	13 months	Learn More Reviews
Rate History: 1.00% → 5.00% → 4.85%
Zions Bancorporation, N.A. San Marcos Branch	4.75%	$1,000	5 months	Learn More Reviews
Comerica Bank Carmel Main Branch	4.75%	$2,500	6 months	Learn More Reviews (1)
Rate History: 5.25% → 5.00% → 4.75%
Umpqua Bank Newport Beach Branch	4.70% 4.65% 4.65%	$1 $0	7 months	Learn More Reviews (2)
Rate History: 4.85% → 4.70%
Zions Bancorporation, N.A. San Marcos Branch	4.65%	$1,000	7 months	Learn More Reviews
Comerica Bank Carmel Main Branch	4.50%	$2,500	9 months	Learn More Reviews (1)
Rate History: 4.75% → 4.50%
Brilliant Bank, a division of Equity Bank	4.40%	$1,000	3 months	Learn More Reviews (6)
Rate History: 4.60% → 4.40%
Brilliant Bank, a division of Equity Bank	4.35%	$1,000	15 months	Learn More Reviews (6)
Rate History: 4.85% → 4.35%
OneLocal Bank	4.25%	$2,500	5 months	Learn More Reviews
Rate History: 5.30% → 5.05% → 4.90% → 4.65% → 4.25%
Flagstar Bank, National Association	4.25%	$500	7 months	Learn More Reviews (1)
Rate History: 5.50% → 5.15% → 4.50% → 4.40% → 4.25%
Goldman Sachs Bank	4.25% 4.15% 3.90% 4.15% 3.90%	$500 $0 $500	14 months	Learn More Reviews (46)
North American Savings Bank, F.S.B.	4.20%	$5,000	13 months	Learn More Reviews (3)
Rate History: 5.25% → 5.35% → 5.15% → 4.40% → 4.20%
Fremont Bank Newark Branch	4.15%	$2,500	5 months	Learn More Reviews
Rate History: 3.75% → 3.60% → 3.50% → 4.00% → 4.15%
Citizens Bank, National Association	4.15%	$25,000	5 months	Learn More Reviews (1)
Synchrony Bank	4.15%	$0	13 months	Learn More Reviews (71)
Early withdrawal penalty is 180 days' interest. Rate History: 5.40% → 5.65% → 5.25% → 4.25% → 4.15%
TIAA Bank / Everbank	4.10%	$1,000	7 months	Learn More Reviews (40)
Rising Bank, a division of Midwest BankCentre	4.10%	$1,000	15 months	Learn More Reviews (8)
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.20% → 4.10% → 4.25% → 4.10%
Canadian Imperial Bank USA	4.06%	$1,000	13 months	Learn More Reviews (22)
Rate History: 4.43% → 4.21% → 4.11% → 4.36% → 4.06%
Fremont Bank Newark Branch	4.00%	$2,500	3 months	Learn More Reviews
Rate History: 4.00% → 3.85% → 3.70% → 3.25% → 4.00%
C3bank, National Association First National Bank Of Southern Cali Branch	4.00%	$25,000	3 months	Learn More Reviews
Rate History: 3.00% → 4.75% → 4.25% → 4.00%
HomeStreet Bank Irvine Branch	4.00%	$500	4 months	Learn More Reviews
Rate History: 3.50% → 4.00%
U.S. Bank National Association Foster City Branch	4.00%	$1,000	5 months	Learn More Reviews (2)
Rate History: 4.60% → 3.75% → 3.00% → 5.00% → 4.00%
ConnectOne Bank	4.00%	$500	7 months	Learn More Reviews (19)
Early withdrawal penalty is 180 days interest. Rate History: 3.80% → 4.95% → 4.75% → 4.25% → 4.00%
KeyBank National Association	4.00%	$10,000	7 months	Learn More Reviews (2)
Rate History: 5.00% → 4.75% → 4.00%
Salem Five Direct	4.00%	$10,000	15 months	Learn More Reviews (7)
First Bank Kearny Mesa Branch	4.00%	$1,000	20 months	Learn More Reviews
Rate History: 1.00% → 4.50% → 4.00%
Finworth, a division of InsBank Century City Loan Production Office Branch	4.00%	$50,000	22 months	Learn More Reviews (1)
Rate History: 3.20% → 4.15% → 4.00% → 3.80% → 4.00%
City National Bank La Palma Branch	3.82%	$10,000	3 months	Learn More Reviews
Rate History: 5.12% → 4.59% → 4.33% → 4.07% → 3.82%
Banner Bank Balboa Clairemont Branch	3.82%	$2,500	7 months	Learn More Reviews (1)
Rate History: 1.00% → 4.34% → 4.08% → 3.82%
Bank of America, National Association Pasadena Pwm Branch	3.80%	$10,000	7 months	Learn More Reviews (7)
Rate History: 4.75% → 5.00% → 4.35% → 4.05% → 3.80%
Fremont Bank Newark Branch	3.75% 0.05% 0.05%	$2,500 $1,000,000	6 months	Learn More Reviews
Rate History: 4.00% → 3.75% → 3.60% → 4.00% → 3.75%
C3bank, National Association First National Bank Of Southern Cali Branch	3.75%	$25,000	6 months	Learn More Reviews
Rate History: 4.00% → 4.75% → 4.50% → 4.00% → 3.75%
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	3.75%	$5,000	7 months	Learn More Reviews (7)
Rate History: 4.75% → 4.25% → 4.00% → 3.75%
TD Bank, National Association	3.75%	$10,000	9 months	Learn More Reviews (1)
Blue Foundry Bank	3.75%	$1,000	12 months	Learn More Reviews
Rate History: 4.00% → 4.50% → 4.00% → 3.75%
Citibank, National Association West, National Association Branch	3.75%	$0	13 months	Learn More Reviews (11)
Rate History: 4.00% → 3.75%
Chesapeake Bank	3.75%	$1,000	13 months	Learn More Reviews (2)
Rate History: 4.75% → 5.10% → 4.50% → 4.00% → 3.75%
TIAA Bank / Everbank	3.75%	$1,000	25 months	Learn More Reviews (40)
KeyBank National Association	3.75%	$10,000	25 months	Learn More Reviews (2)
City National Bank La Palma Branch	3.61%	$10,000	5 months	Learn More Reviews
Rate History: 1.00% → 4.07% → 3.61%
Fremont Bank Newark Branch	3.60%	$2,500	11 months	Learn More Reviews
Rate History: 1.00% → 1.25% → 3.60%
Banner Bank Balboa Clairemont Branch	3.56%	$2,500	13 months	Learn More Reviews (1)
Rate History: 1.00% → 3.82% → 3.56% → 3.05% → 3.56%
Clear Sky Accounts	3.51%	$1,000	7 months	Learn More Reviews (2)
Rate History: 5.00% → 4.75% → 4.35% → 3.85% → 3.51%
TD Bank, National Association	3.51%	$10,000	12 months	Learn More Reviews (1)
Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%
Citizens Bank, National Association	3.50%	$25,000	10 months	Learn More Reviews (1)
Rate History: 5.00% → 5.25% → 5.00% → 4.00% → 3.50%
HomeStreet Bank Irvine Branch	3.50%	$500	11 months	Learn More Reviews
Rate History: 4.65% → 4.25% → 4.15% → 3.50%
CIT Bank, a division of First-Citizens Bank and Trust	3.50%	$1,000	11 months	Learn More Reviews (33)
Account cannot be closed online. Requires reaching phone representative to close.
Colorado Federal Savings Bank	3.50%	$5,000	11 months	Learn More Reviews (16)
11-Month No Penalty CD
CTBC Bank Corp. (USA) Ctbc Bank Corp. (Usa) Branch	3.50%	$5,000	12 months	Learn More Reviews
C3bank, National Association First National Bank Of Southern Cali Branch	3.50%	$25,000	12 months	Learn More Reviews
Rate History: 4.25% → 4.75% → 4.00% → 3.50%
OneLocal Bank	3.50%	$1,000	13 months	Learn More Reviews
Rate History: 4.65% → 5.25% → 4.75% → 3.50%
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	3.50%	$5,000	18 months	Learn More Reviews (7)
Salem Five Direct	3.50%	$10,000	18 months	Learn More Reviews (7)
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%
Bank of America, National Association Pasadena Pwm Branch	3.45%	$10,000	10 months	Learn More Reviews (7)
Rate History: 4.00% → 3.70% → 3.45%
U.S. Bank National Association Foster City Branch	3.40%	$1,000	9 months	Learn More Reviews (2)
Rate History: 4.75% → 4.50% → 4.00% → 3.70% → 3.40%
Ally Bank	3.40%	$0	11 months	Learn More Reviews (53)
Rate History: 4.15% → 4.00% → 3.75% → 3.55% → 3.40%
Citibank, National Association West, National Association Branch	3.25%	$0	5 months	Learn More Reviews (11)
Rate History: 4.25% → 0.05% → 3.00% → 3.50% → 3.25%
Blue Foundry Bank	3.25%	$1,000	24 months	Learn More Reviews
Rate History: 3.50% → 3.25%
U.S. Bank National Association Foster City Branch	3.10%	$1,000	13 months	Learn More Reviews (2)
Rate History: 4.30% → 4.00% → 3.50% → 3.20% → 3.10%
Citibank, National Association West, National Association Branch	3.00%	$0	7 months	Learn More Reviews (11)
Rate History: 0.05% → 4.15% → 4.35% → 3.35% → 3.00%
Comerica Bank Carmel Main Branch	3.00%	$2,500	12 months	Learn More Reviews (1)
Rate History: 4.25% → 3.00%
ConnectOne Bank	3.00%	$500	23 months	Learn More Reviews (19)
Early withdrawal penalty is 180 days interest. Rate History: 4.50% → 4.25% → 3.60% → 3.25% → 3.00%
Blue Foundry Bank	3.00%	$1,000	36 months	Learn More Reviews
One American Bank	2.96%	$5,000	51 months	Learn More Reviews (2)
TD Bank, National Association	2.75%	$10,001	6 months	Learn More Reviews (1)
Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%
Bank of America, National Association Pasadena Pwm Branch	2.75%	$10,000	13 months	Learn More Reviews (7)
Rate History: 4.30% → 4.90% → 3.25% → 3.00% → 2.75%
Dollar Savings Direct, a division of Emigrant Bank	2.75%	$1,000	16 months	Learn More Reviews (26)
Rate History: 5.00% → 5.00% → 3.50% → 2.75%
HomeStreet Bank Irvine Branch	2.75%	$500	18 months	Learn More Reviews
Rate History: 4.65% → 4.25% → 3.50% → 3.00% → 2.75%
PNC Bank, National Association	2.60%	$1,000	61 months	Learn More Reviews (1)
PNC Bank, National Association	2.40%	$1,000	37 months	Learn More Reviews (1)
PNC Bank, National Association	2.20%	$1,000	25 months	Learn More Reviews (1)
Fremont Bank Newark Branch	2.00%	$2,500	12 months	Learn More Reviews
Rate History: 4.00% → 3.00% → 2.00%
PNC Bank, National Association	2.00%	$1,000	13 months	Learn More Reviews (1)
Bank of America, National Association Pasadena Pwm Branch	2.00%	$10,000	25 months	Learn More Reviews (7)
Rate History: 3.20% → 3.00% → 2.00%
One American Bank	1.96%	$5,000	13 months	Learn More Reviews (2)
Hingham Institution for Savings	1.70%	$1,000	13 months	Learn More Reviews
Rate History: 1.85% → 1.70%
JPMorgan Chase Bank, National Association San Francisco - Embarcadero Branch	1.50%	$100,000	6 months	Learn More Reviews (18)
Rate History: 5.00% → 3.00% → 2.00% → 1.50%
Banner Bank Balboa Clairemont Branch	1.26%	$2,500	36 months	Learn More Reviews (1)
Rate History: 2.53% → 2.28% → 1.51% → 1.26%
Fremont Bank Newark Branch	1.00%	$2,500	13 months	Learn More Reviews
Rate History: 1.00% → 1.75% → 1.00%
Hingham Institution for Savings	0.50%	$1,000	2 months	Learn More Reviews
Rate History: 1.00% → 0.50%
Citibank, National Association West, National Association Branch	0.05%	$0	8 months	Learn More Reviews (11)
Rate History: 4.35% → 0.05%
Bank of Montreal Harris	0.05%	$1,000	9 months	Learn More Reviews (2)

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 CA - July 31, 2025

Branch	Street	City	State
First Bank Kearny Mesa Branch	9363 Clairemont Mesa Boulevard, Suite S	San Diego	CA
First Bank Kearny Mesa Branch	9363 Clairemont Mesa Boulevard, Suite S	San Diego	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
Comerica Bank Carmel Main Branch	Dolores Street Between 7th And 8th Avenues	Carmel	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
Comerica Bank Carmel Main Branch	Dolores Street Between 7th And 8th Avenues	Carmel	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
C3bank, National Association First National Bank Of Southern Cali Branch	3727 Arlington Avenue	Riverside	CA
HomeStreet Bank Irvine Branch	17901 Von Karman Avenue, Suite 100	Irvine	CA
U.S. Bank National Association Foster City Branch	999-F Edgewater	Foster City	CA
First Bank Kearny Mesa Branch	9363 Clairemont Mesa Boulevard, Suite S	San Diego	CA
Finworth, a division of InsBank Century City Loan Production Office Branch	1999 Avenue Of The Stars, Suite 1100	Century City	CA
City National Bank La Palma Branch	One Centerpointe Drive	La Palma	CA
Banner Bank Balboa Clairemont Branch	5508 Balboa Avenue	San Diego	CA
Bank of America, National Association Pasadena Pwm Branch	800 E Colorado Blvd	Pasadena	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
C3bank, National Association First National Bank Of Southern Cali Branch	3727 Arlington Avenue	Riverside	CA
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	San Carlos And Ocean Street	Carmel	CA
Citibank, National Association West, National Association Branch	One Sansome Street, 22nd Floor	San Francisco	CA
City National Bank La Palma Branch	One Centerpointe Drive	La Palma	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Banner Bank Balboa Clairemont Branch	5508 Balboa Avenue	San Diego	CA
HomeStreet Bank Irvine Branch	17901 Von Karman Avenue, Suite 100	Irvine	CA
CTBC Bank Corp. (USA) Ctbc Bank Corp. (Usa) Branch	801 South Figueroa Street, Suite 2300	Los Angeles	CA
C3bank, National Association First National Bank Of Southern Cali Branch	3727 Arlington Avenue	Riverside	CA
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	San Carlos And Ocean Street	Carmel	CA
Bank of America, National Association Pasadena Pwm Branch	800 E Colorado Blvd	Pasadena	CA
U.S. Bank National Association Foster City Branch	999-F Edgewater	Foster City	CA
Citibank, National Association West, National Association Branch	One Sansome Street, 22nd Floor	San Francisco	CA
U.S. Bank National Association Foster City Branch	999-F Edgewater	Foster City	CA
Citibank, National Association West, National Association Branch	One Sansome Street, 22nd Floor	San Francisco	CA
Comerica Bank Carmel Main Branch	Dolores Street Between 7th And 8th Avenues	Carmel	CA
Bank of America, National Association Pasadena Pwm Branch	800 E Colorado Blvd	Pasadena	CA
HomeStreet Bank Irvine Branch	17901 Von Karman Avenue, Suite 100	Irvine	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Bank of America, National Association Pasadena Pwm Branch	800 E Colorado Blvd	Pasadena	CA
JPMorgan Chase Bank, National Association San Francisco - Embarcadero Branch	Two Embarcadero Ctr Branch	San Francisco	CA
Banner Bank Balboa Clairemont Branch	5508 Balboa Avenue	San Diego	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Citibank, National Association West, National Association Branch	One Sansome Street, 22nd Floor	San Francisco	CA