California

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California CD Rates – 6-Month

You are viewing rates from banks across California

 

Below are the best six-month CD Rates from banks with branches in 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.

CA - November 22, 2024

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Warning: Early withdrawal penalty is 3.00%.
Rate History: 3.00% → 5.00%

| 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

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

| 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

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: 5.30% → 5.40% → 5.20% → 5.05% → 4.50%

| Sep 22, 2023

Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More

Rate History: 5.00% → 4.50%

| May 19, 2018

Experience 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.10% → 5.25% → 5.20% → 5.00% → 4.50%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.10% → 5.00% → 4.80% → 4.70% → 4.45%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%

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: 3.60% → 4.10%

| Aug 16, 2022

good customer service and always give me new information about CD rates. They have 2.3% now. Read More

Rate History: 3.03% → 5.00% → 4.00%

Rate History: 5.13% → 5.00% → 4.75% → 4.25% → 4.00%

| 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

Rate History: 4.00% → 4.75% → 4.50% → 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: 4.35% → 4.25% → 4.20% → 4.00% → 3.90%

| 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

Rate History: 4.07% → 3.61%

Rate History: 4.75% → 4.25% → 4.00% → 3.75% → 3.60%

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

Rate History: 5.25% → 4.65% → 4.55% → 3.45%

| 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

Rate History: 1.41% → 4.29% → 4.03% → 3.53% → 3.43%

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

| 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

Rate History: 4.26% → 4.25% → 1.00%

0.84%

$10,000

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0.81%

$10,000

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0.65%

$100,000

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0.65%

$10,000

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0.60%

$10,000

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0.60%

$100,000

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0.55%

$10,000

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0.50%

$100,000

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| Aug 22, 2020

Good for mobile home loans in parks, Read More

0.50%

$100,000

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0.50%

$100,000

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0.50%

0.10%

$1,000

$100

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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

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$100,000

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0.40%

$100,000

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0.35%

$100,000

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0.35%

$10,000

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0.35%

$100,000

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0.35%

$100,000

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0.35%

$100,000

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0.35%

$100,000

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0.35%

$10,000

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| 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

0.30%

$10,000

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0.30%

$10,000

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0.30%

$100,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$100,000

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0.30%

$100,000

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0.30%

$100,000

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0.28%

$2,500

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$100,000

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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

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0.25%

$100,000

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0.25%

$100,000

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0.25%

$10,000

-

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| 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

0.25%

$100,000

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0.25%

$100,000

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0.25%

$100,000

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0.25%

$10,000

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0.25%

$10,000

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0.22%

$100,000

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0.20%

$100,000

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0.20%

$10,000

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0.20%

$100,000

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0.20%

$100,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.20%

$10,000

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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

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0.20%

$100,000

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0.20%

$10,000

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| Jul 22, 2015

Fix your automated system so I can find information after you close Read More

0.20%

$10,000

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0.20%

$10,000

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0.20%

$100,000

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0.20%

$10,000

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0.20%

$10,000

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0.16%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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| 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

| Mar 2, 2019

does require us citizenship? Read More

0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$100,000

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0.15%

$100,000

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0.15%

$10,000

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0.15%

$100,000

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0.15%

$10,000

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0.14%

$100,000

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0.13%

$10,000

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0.13%

$10,000

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0.12%

$10,000

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0.12%

$10,000

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0.11%

$10,000

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0.10%

$100,000

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| 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

0.10%

$10,000

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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

0.10%

$100,000

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| 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%

$100,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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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%

$100,000

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0.10%

$10,000

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| Mar 9, 2021

the worst bank I've ever dealt with in my 72 years Read More

0.08%

$10,000

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0.07%

$10,000

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| Mar 9, 2021

the worst bank I've ever dealt with in my 72 years Read More

0.05%

$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 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

0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

-

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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

| 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

0.03%

$10,000

-

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| 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

0.02%

$10,000

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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.

SAVINGS & CD CALCULATOR

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