California

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Garden Grove, California CD Rates – 6-Month

You are viewing rates from banks across Garden Grove

 

Below are the best six-month CD Rates from banks with branches in Garden Grove, California . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Garden Grove, CA - November 19, 2024

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 1.10% → 5.00%

| 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: 4.45% → 5.15% → 5.25% → 5.15% → 4.75%

Rate History: 5.25% → 5.00% → 4.75%

| 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

Rate History: 4.80% → 4.65% → 4.85% → 4.60% → 4.50%

| 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

Rate History: 4.50% → 4.00% → 4.40% → 4.25% → 4.15%

| 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: 3.03% → 5.00% → 4.00%

| 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: 4.07% → 3.61%

Rate History: 0.05% → 4.75% → 4.65% → 3.75% → 3.50%

| 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

3.33%

$1,000

-

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Rate History: 4.86% → 3.05%

Rate History: 3.82% → 3.56% → 3.87% → 3.04% → 2.78%

| Mar 5, 2021

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

Rate History: 2.50% → 2.51% → 2.01%

| 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

| 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: 3.00% → 2.00% → 1.50%

| Jan 2, 2023

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

Rate History: 4.26% → 4.25% → 1.00%

0.84%

$10,000

4.37

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0.60%

$100,000

19.91

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0.55%

$10,000

19.91

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0.50%

$100,000

20.55

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0.50%

$100,000

2.17

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| Mar 2, 2019

does require us citizenship? Read More

| Jan 29, 2019

The Bank does not have this product. Read More

0.40%

$10,000

2.17

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0.40%

$100,000

19.04

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0.40%

$100,000

23.13

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0.35%

$100,000

19.15

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0.35%

$100,000

9.87

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0.30%

$10,000

10.03

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0.30%

$10,000

19.04

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0.30%

$10,000

23.13

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0.30%

$10,000

18.10

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0.30%

$10,000

9.87

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0.30%

$100,000

18.94

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0.28%

$2,500

19.04

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0.25%

$10,000

22.68

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0.25%

$100,000

19.07

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| 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%

$100,000

10.99

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0.25%

$100,000

22.58

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0.25%

$100,000

10.61

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0.25%

$10,000

19.15

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0.20%

$10,000

10.61

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| 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

0.20%

$10,000

22.58

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0.20%

$10,000

10.99

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0.20%

$10,000

18.94

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0.15%

$10,000

20.71

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0.15%

$10,000

20.55

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| Mar 2, 2019

does require us citizenship? Read More

0.15%

$10,000

19.07

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0.15%

$10,000

22.60

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0.15%

$100,000

20.70

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| 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

| 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

0.10%

$10,000

11.30

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0.10%

$10,000

20.70

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0.10%

$10,000

16.52

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| 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

0.10%

$10,000

-

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| 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

| 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

| 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

0.02%

$10,000

22.48

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| 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.

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

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2024

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional 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 six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

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.

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.

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