California

Image Courtesy: www.pixabay.com

Garden Grove, California CD Rates – 2-Year

You are viewing rates from banks across Garden Grove

 

Below are two-year Certificates of Deposit (CD) rates from banks in Garden Grove, California. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Garden Grove, CA - November 19, 2024

2 Year CD National Average : 0.66% ?

Banks APY MIN MILES ?

Rate History: 4.91% → 4.75% → 4.65% → 4.49% → 4.44%

| Mar 5, 2021

The best rate on any CD or savings account is .40% Read More

Rate History: 4.30% → 4.20% → 4.15%

Rate History: 2.27% → 3.44% → 4.00%

3.87%

$1,000

-

Learn More

Rate History: 3.95% → 3.70% → 3.90% → 3.60%

| 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

| Jan 30, 2021

Sterling hasn't offered a 1% rate for over a year. Best one can do now is .20%. The rates shown on this site are grossly outdated. Read More

Rate History: 4.25% → 4.00% → 4.10% → 3.50% → 3.25%

| 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: 2.65% → 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: 3.05% → 2.53%

Rate History: 2.53% → 2.02%

| 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: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.05%

$10,000

4.37

Learn More

| Mar 2, 2019

does require us citizenship? Read More

0.80%

$10,000

19.91

Learn More

0.75%

$100,000

20.70

Learn More

0.75%

$10,000

18.10

Learn More

0.70%

$100,000

9.87

Learn More

0.70%

$100,000

23.13

Learn More

0.70%

$100,000

19.04

Learn More

0.65%

$100,000

2.17

Learn More

| Jan 29, 2019

The Bank does not have this product. Read More

0.65%

$100,000

20.55

Learn More

0.65%

$10,000

16.52

Learn More

0.65%

$100,000

19.15

Learn More

0.60%

$10,000

19.04

Learn More

0.60%

$10,000

9.87

Learn More

0.55%

$10,000

23.13

Learn More

0.55%

$2,500

19.04

Learn More

0.50%

$10,000

22.68

Learn More

0.50%

$10,000

10.03

Learn More

0.50%

$10,000

2.17

Learn More

0.50%

$5,000

-

Learn More

0.50%

$10,000

19.15

Learn More

0.50%

$100,000

18.94

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

22.58

Learn More

0.45%

$100,000

10.61

Learn More

0.40%

$10,000

18.94

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

0.40%

$10,000

10.61

Learn More

0.40%

$100,000

10.99

Learn More

0.35%

$100,000

19.07

Learn More

0.35%

$10,000

10.99

Learn More

0.30%

$10,000

19.07

Learn More

0.30%

$10,000

20.70

Learn More

0.30%

$10,000

20.55

Learn More

0.25%

$10,000

20.71

Learn More

| 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

0.25%

$10,000

11.30

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

| 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

| 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

| 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

| 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

0.07%

$10,000

22.48

Learn 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

| 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

| 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

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2024

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

  • A higher rate than 12 month CDs in return for leaving the money in the bank longer.
  • A fixed rate during the 24 month period.
  • A generally higher rate for the same term than what can be found in a branch-based bank.
  • FDIC insurance.
  • Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

  • Rates are generally lower than on the top online savings and CD accounts.
  • Money is tied up for two years. Removing it early results in significant penalties.
  • Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

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