Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across California
Below are three-year CD Rates from banks in California. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
CA - November 22, 2024
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.07% |
$10,000 |
- |
Learn More
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Rate History: 4.80% → 4.65% → 4.49% → 4.33% → 4.07% |
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samcasino | Mar 5, 2021 The best rate on any CD or savings account is .40% Read More |
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3.98% |
$1,000 |
- |
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3.95% |
$1,000 |
- |
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|
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Rate History: 2.27% → 3.44% → 4.00% → 3.95% |
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|
3.85% |
$1,000 |
- |
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|
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Rate History: 4.00% → 3.90% → 3.85% |
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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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|
3.85% |
$1,000 |
- |
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Rate History: 4.00% → 3.90% → 3.85% |
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3.75% |
$1,000 |
- |
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Warning: Early withdrawal penalty is 3.00%.
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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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|
3.60% |
$0 |
- |
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|
|
|
Rate History: 4.10% → 4.00% → 3.75% → 3.60% |
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|
highstream | 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 |
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|
3.45% 0.30% |
$250,000 $1,000 |
- |
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|
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|
Rate History: 3.70% → 3.55% → 3.75% → 3.45% |
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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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|
3.20% |
$500 |
- |
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|
|
|
Rate History: 3.25% → 3.20% → 3.82% → 3.05% → 3.20% |
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|
3.10% |
$5,000 |
- |
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|
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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|
3.00% |
$1,000 |
- |
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|
3.00% |
$1,500 |
- |
Learn More
|
|
|
Rate History: 2.00% → 3.00% |
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|
Ryan | 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 |
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|
2.75% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 1.00% → 3.05% → 3.00% → 2.99% → 2.75% |
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|
Carrandrewb | 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 |
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|
2.55% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 2.75% → 2.55% |
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|
RYAN S | 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 |
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|
2.53% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 3.05% → 2.53% |
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|
2.50% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50% |
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|
Dkplan | 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 |
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|
2.28% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 2.53% → 2.28% |
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|
Unhappy | Mar 25, 2020 Banner bank is sometimes hard to work with. If you have a construction loan to get a disbursement you fill out a sheet with the line item (not a big deal). Then they schedule an inspection that you pay $... Read More |
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|
2.00% |
$0 |
- |
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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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|
2.00% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 3.00% → 2.50% → 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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|
1.85% |
$1,000 |
- |
Learn More
|
|
|
1.77% |
$1,000 |
- |
Learn More
|
|
|
1.75% 1.25% |
$100,000 $2,500 |
- |
Learn More
|
|
|
1.70% |
$1,000 |
- |
Learn More
|
|
|
1.66% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 2.02% → 1.66% |
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|
1.26% |
$100,000 |
- |
Learn More
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|
|
1.24% |
$10,000 |
- |
Learn More
|
|
|
1.20% |
$500 |
- |
Learn More
|
|
|
samcasino | 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 |
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|
1.15% |
$100,000 |
- |
Learn More
|
|
|
1.11% |
$10,000 |
- |
Learn More
|
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|
1.11% |
$10,000 |
- |
Learn More
|
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|
1.02% |
$10,000 |
- |
Learn More
|
|
|
1.00% |
$100,000 |
- |
Learn More
|
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|
1.00% |
$100,000 |
- |
Learn More
|
|
|
1.00% |
$100,000 |
- |
Learn More
|
|
|
maris | Mar 2, 2019 does require us citizenship? Read More |
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|
1.00% |
$10,000 |
- |
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|
|
|
Rate History: 3.51% → 1.00% → 3.51% → 1.00% |
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|
Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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|
0.95% |
$100,000 |
- |
Learn More
|
|
|
0.90% |
$1,000 |
- |
Learn More
|
|
|
0.90% |
$100,000 |
- |
Learn More
|
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|
0.90% |
$100,000 |
- |
Learn More
|
|
|
0.90% |
$10,000 |
- |
Learn More
|
|
|
0.90% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$100,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
- |
Learn More
|
|
|
0.85% |
$1,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.80% |
$100,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
- |
Learn More
|
|
|
0.75% |
$10,000 |
- |
Learn More
|
|
|
0.75% |
$100,000 |
- |
Learn More
|
|
|
0.75% |
$100,000 |
- |
Learn More
|
|
|
0.75% |
$100,000 |
- |
Learn More
|
|
|
0.75% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$10,000 |
- |
Learn More
|
|
|
0.70% |
$100,000 |
- |
Learn More
|
|
|
0.65% |
$10,000 |
- |
Learn More
|
|
|
0.65% |
$100,000 |
- |
Learn More
|
|
|
0.65% |
$10,000 |
- |
Learn More
|
|
|
0.65% |
$10,000 |
- |
Learn More
|
|
|
RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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|
0.65% |
$100,000 |
- |
Learn More
|
|
|
0.65% |
$100,000 |
- |
Learn More
|
|
|
0.65% |
$100,000 |
- |
Learn More
|
|
|
0.60% |
$10,000 |
- |
Learn More
|
|
|
0.60% |
$10,000 |
- |
Learn More
|
|
|
0.60% |
$10,000 |
- |
Learn More
|
|
|
0.60% |
$10,000 |
- |
Learn 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
|
|
|
0.60% |
$10,000 |
- |
Learn More
|
|
|
0.60% |
$100,000 |
- |
Learn More
|
|
|
0.60% |
$100,000 |
- |
Learn More
|
|
|
0.55% |
$100,000 |
- |
Learn More
|
|
|
laberta ewing | 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 |
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|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
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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0.55% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$100,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
|
|
|
0.50% |
$100 |
- |
Learn More
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0.50% |
$100,000 |
- |
Learn More
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0.50% |
$100,000 |
- |
Learn More
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|
|
0.50% |
$10,000 |
- |
Learn More
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|
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0.50% |
$100,000 |
- |
Learn More
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|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
Harry Reese | Jul 22, 2015 Fix your automated system so I can find information after you close Read More |
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0.50% |
$100,000 |
- |
Learn More
|
|
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kristinalouise | 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 |
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0.45% |
$10,000 |
- |
Learn More
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|
0.45% |
$10,000 |
- |
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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0.45% |
$100,000 |
- |
Learn More
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0.45% |
$100,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
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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0.45% |
$100,000 |
- |
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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kristinalouise | 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 |
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|
0.45% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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Michael strubert | 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 |
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$50,000 |
- |
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0.38% |
$10,000 |
- |
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0.35% |
$10,000 |
- |
Learn More
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0.35% |
$100,000 |
- |
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0.35% |
$10,000 |
- |
Learn More
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0.35% 0.30% |
$1,000 $1,001 |
- |
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0.35% |
$10,000 |
- |
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0.35% |
$1,000 |
- |
Learn More
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|
sharzns | 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 |
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0.35% |
$100,000 |
- |
Learn More
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|
0.35% |
$10,000 |
- |
Learn More
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|
|
laberta ewing | 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 |
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|
0.32% |
$100,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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0.30% |
$100,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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0.30% |
$1,000 |
- |
Learn More
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0.26% |
$100,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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Lori Kroko | 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 |
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0.25% |
$10,000 |
- |
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0.23% |
$10,000 |
- |
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0.20% |
$10,000 |
- |
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0.15% |
$10,000 |
- |
Learn More
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0.15% |
$10,000 |
- |
Learn More
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0.15% |
$1 |
- |
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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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|
0.15% 0.10% |
$1 $0 |
- |
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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 |
- |
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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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0.10% |
$500 |
- |
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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0.10% |
$100,000 |
- |
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0.10% |
$10,000 |
- |
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0.05% |
$10,000 |
- |
Learn More
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0.05% |
$500 |
- |
Learn More
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MrBond | 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 |
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0.05% |
$2,500 |
- |
Learn More
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|
|
Rate History: 0.02% → 0.05% |
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Seeko | 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 |
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|
0.03% |
$25,000 |
- |
Learn More
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GAM | 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 |
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0.03% |
$100,000 |
- |
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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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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
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