Best CD Rates Orange County California

Find and review the best CD rates available in Orange County California and the surrounding communities. The local and regional banks offering certificates of deposits in Orange County offer rates of return that are well above the national rates for comparable terms. By comparing the best local CD rates in Orange County, local savers and investors can obtain a higher yield and maximize their savings and investment dollars.

Consumers residing in Orange County will find competitive interest rates on an assortment of certificates offered by area banks. Local banks offer a number of high CD rates on short term maturities. High yielding three month CD rates, six month CD rates, and one year CD rates are available with low minimum opening deposit requirements in the region. Longer term CD accounts with high yield are also available including the popular two year CD rates and five year CDs promoted by the banks serving Orange County.

Use the table of local CD rates listed below to compare the best CD rates offered in Orange County with some of the top bank CD rates across the nation.

Local CD Rates
Bank CD Rate CD Term Min $ Open
Transportation Alliance Bank
www.tabbank.com
800-837-4214
0.95% 3 Month $1,000.00
First Internet Bank CD Rates
www.firstib.com
888-873-3424
0.90% 3 Month $1,000.00
Goldwater Bank CD Rates
www.goldwaterbank.com
480-281-8200
0.86% 3 Month $5,000.00
First Internet Bank CD Rates
www.firstib.com
888-873-3424
1.15% 6 Month $1,000.00
Virtual Bank CD Rates
www.virtualbank.com
877-998-2265
1.11% 6 Month $10,000.00
Goldwater Bank CD Rates
www.goldwaterbank.com
480-281-8200
1.05% 6 Month $5,000.00
CD Bank
www.cdbank.com
888-201-8185
1.20% 9 Month $1.00
Virtual Bank CD Rates
www.virtualbank.com
877-998-2265
1.16% 9 Month $10,000.00
IncredibleBank
www.incrediblebank.com
877-261-4750
1.10% 9 Month $10,000.00
M.Y. Safra Bank CD Rates
www.mysafra.com
855-697-2372
1.48% 1 Year $5,000.00
First Internet Bank CD Rates
www.firstib.com
888-873-3424
1.47% 1 Year $1,000.00
Virtual Bank CD Rates
www.virtualbank.com
877-998-2265
1.46% 1 Year $10,000.00
NewDominion Bank
www.newdominionbank.com
800-592-6248
1.75% 2 Year $3,000.00
First Internet Bank CD Rates
www.firstib.com
888-873-3424
1.71% 2 Year $1,000.00
Popular Direct
www.populardirect.com
800-274-5696
1.70% 2 Year $10,000.00
Synchrony Bank CD Rates
www.synchronybank.com
866-226-5638
2.35% 5 Year $25,000.00
Popular Direct
www.populardirect.com
800-274-5696
2.35% 5 Year $10,000.00
First Internet Bank CD Rates
www.firstib.com
888-873-3424
2.27% 5 Year $1,000.00
Many of the bank CDs can either be opened in a branch or online. In addition to the standard term CDs, a number of banks serving Orange County offer special term CDs such as bump up CDs, no penalty or liquid CDs, step up CDs, and more. CD promotions in Orange County can also be found from time to time that have higher rates and odd terms.

For consumers looking for retirement savings accounts, IRA CDs can be obtained with a wide range of terms. IRA CD accounts can be opened as traditional IRAs or Roth IRA CDs in California.

A variety of jumbo CDs with competitive jumbo CD rates are obtainable from a number of banks in the Orange County California region. Jumbo CDs generally require a deposit amount of $100,000.00 or more and have maturities similar to standard bank CDs ranging from several days to several years.

More than just competitive rates can be found at the local banks operating in the Orange County market. CD rate advice and product information is easily accessible by the local bank customer service representatives. CD investment mistakes can cost money and time, by having a local bank representative to contact consumers can get hands on advice and input regarding the bank accounts and bank rates that work best for their needs.

Current CD interest rates and annual percentage yield listed are subject to change. The annual percentage yields listed assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal as disclosed on the individual bank certificate of deposit account agreements.

The bank rate information presented is believed to be reliable, but may have changed since this publication date, the information is not guaranteed. Other terms and conditions may apply. Contact the banks directly for the most update and accurate information regarding the bank rates and account information.

Banks offering CDs in Orange County generally serve the entire market in Southern California and present high yield CD rates in the cities and communities of Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, and Yorba Linda. In addition, many of the same banks and financial institutions that serve Orange County serve the surrounding counties of Los Angeles County, San Bernardino County, Riverside County, and San Diego County, with high rate CDs.

Federal Reserve Currency and Coin Services An important function of the Federal Reserve is ensuring that enough cash—that is, currency and coin—is in circulation to meet the public’s demand.  When Congress established the Federal Reserve, it recognized that the public’s demand for cash is variable.  This demand increases or decreases seasonally and as the level of
CD interest rates made their biggest drop yet this year.  The stronger than expected employment figures have just not been strong enough to counter the impact of the Fed which has used monetary easing to keep short interest rates low and bank CD rates just keep moving lower.  Based on the bank CD rate survey conducted
The Twist pushes CD interest rates lower.  After the Federal Reserve announcement on Thursday when the Fed discussed the Twist, short term and long term bank CD rates moved lower.  The Twist is term given to the FOMC program where the Fed sells short term bonds and buys long term bonds in an effort to