Best CD Rates in Modesto CA

Review the best CD rates available in Modesto, California from the local and regional banks serving the community. Compare current CD rates across a wide assortment of terms from the leading banks in the region. Consumers can find bank CDs in Modesto that are well above the national average CD rate for a variety of different terms or maturities. These CDs offer conventional benefits and a number of features not available through many traditional banks.

High yielding Modesto CA CD rates include a wide spectrum of maturities. CD rate shoppers in the Central Valley area of Northern California can secure competitive short term CD rates that can be ideal for emergency funds, temporary holdings and for building new savings plans. Consumers can also find intermediate term CDs and rates such as six month CD rates and one year CD rates that are useful for a variety of savings objectives. Long term CDs that include the three, four, and five year CDs are also available with competitive rates that can be very useful for long term savings objectives and investment diversification.

In an environment of market volatility and an expanding array of financial products, even the most sophisticated investor can feel overwhelmed. Listed below are the CD rates and terms from the top banks offering savings products in Modesto, making it easier for consumers to compare the best bank rates in the region.

Local CD Rates
Bank CD Rate CD Term Min $ Open
Crestmark Bank CD Rates
www.crestmark.com
855-267-6445
1.35% 3 Month $25,000.00
First Internet Bank CD Rates
www.firstib.com
888-873-3424
1.21% 3 Month $1,000.00
Transportation Alliance Bank
www.tabbank.com
800-837-4214
0.95% 3 Month $1,000.00
Crestmark Bank CD Rates
www.crestmark.com
855-267-6445
1.50% 6 Month $25,000.00
First Internet Bank CD Rates
www.firstib.com
888-873-3424
1.37% 6 Month $1,000.00
Nationwide Bank CD Rates
www.nationwide.com
877-422-6569
1.20% 6 Month $500.00
Crestmark Bank CD Rates
www.crestmark.com
855-267-6445
1.55% 9 Month $25,000.00
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
Crestmark Bank CD Rates
www.crestmark.com
855-267-6445
1.70% 1 Year $25,000.00
BankDirect CD Rates
www.bankdirect.com
877-839-2737
1.60% 1 Year $10,000.00
Popular Direct
www.populardirect.com
800-274-5696
1.55% 1 Year $10,000.00
Crestmark Bank CD Rates
www.crestmark.com
855-267-6445
1.85% 2 Year $25,000.00
TIAA Direct CD Rates
www.tiaadirect.com
855-842-2372
1.81% 2 Year $1,000.00
First Internet Bank CD Rates
www.firstib.com
888-873-3424
1.81% 2 Year $1,000.00
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
TIAA Direct CD Rates
www.tiaadirect.com
855-842-2372
2.30% 5 Year $1,000.00
In addition to the traditional fixed rate and fixed term CDs, consumers can obtain more non-traditional certificates offered by the banks in the area. Non-traditional bank CD products include bump up CDs, no penalty CDs, step up CDs, and variable rate CDs.

Consumers can also find an array of jumbo CD bank products and IRA CDs. The jumbo CDs generally require deposit amounts in excess of $100,000.00. IRA CDs in Modesto can be opened as standard IRA CD accounts or Roth IRA CD accounts. Whether you are starting a new savings plan, switching bank CDs, or expanding your account holding, youíll find competitive interest rates on all of these accounts

The FDIC insured Certificates of Deposit (CDs) offered by banks serving Modesto and the surrounding communities can prove to be a good addition on in any savings plan or investment portfolio.

CD rates, program terms and conditions are subject to change without notice. The CD interest rates and annual percentage yields earned on the account are determined by the date the account is opened and the term selected. This information is provided solely for informational purposes, not for specific financial advice. Check with the individual banks directly for the most up to date and accurate information.

CD interest rates for the week ending October 9, 2009 were mostly lower with the exception of the one year CD rates which managed to hold steady without a change to the average yield. The average of the best six month CD rates available nationally dropped by two basis points or 2/100 week over week.  The
There is no question that you need short term savings. The next logical question is exactly how much you need to have in your short-term savings accounts. The answer varies by the individual. Your Age and Family Situation Your age and family is a large factor in your savings plan. Young, single individuals
The Federal Funds Rate is the interest rate at which private financial institutions such as banks lend their reserves held at the Federal Reserve to other financial institutions overnight for short term needs. A bank or other financial institution lends out most of the money deposited with it but also is obligated by law to keep