Best CD Rates in San Jose, California

Pros:

• Offers the best interest rates in CD
• 24/7 access to the account
• Reliable customer support
• FDIC-insured banking

Rules:

• A CD is issued in the name of one person, or joint accounts in the names of more than one person, or payable on death.
• Upon successful registration, the investor gets a Truth-in-Savings disclosure with account information
• Monthly compounded interest with end-of-month account credit
• Penalty on premature withdrawal of CD.

Pros:

• Top-tier rate of interest
• Easy access to the account from the phone, tablet, and desktop
• 24/7 customer support
• Various CD options to implement CD ladder strategy

Rules:

• CDs can be booked online or at the branch.
• Monthly compounding of interest; interest is credited to the account at month’s end.
• Early withdrawal from the CD earns a penalty depending on the term of the CD.

Pros:

• No monthly fee or hidden charges
• NCUA-insured banking solutions
• Relationship reward benefits of up to an additional 0.25% APY
• Additional 0.10% APY on opening an account with a $25000 initial deposit

Rules:

• Dividends are compounded monthly and added to the account every month.
• There is an additional.25% APY for Gold, Silver, or Bronze status customers under the Relationship reward benefits program
• CD gets auto-renewed on maturity. Any changes to the CD can be done during the 10 days grace period.

Pros:

• Best interest rates on a 12-month CD
• The minimum amount required is low
• No monthly maintenance fee
• FDIC-insured to the maximum permitted by law

Rules:

• A CD can be booked online or by contacting the representative at the branch
• The maximum deposit limit to the account is set at $250,000
• CD gets auto-renewed at maturity. The term can be altered or more amounts can be added to the CD during the grace period.

Pros:

• 6-month to 24-month CD term available
• High APY on CDs
• FDIC insured investment
• Easy online access to the account

Rules:

• New customers have to open an account with the bank. A CD can be added to the account through the online banking system.
• The minimum deposit should be made during the 10 days of account opening.
• Penalty on premature withdrawal from CD-
• 90 days simple interest calculated on the principal for CDs with a term of less than 12 months
• 180 days simple interest calculated on the principal for CDs with term of 12 months and more

Pros:

• Leading bank with a nationwide presence
• Fixed and competitive rates
• CD Calculator to assess CD benefits
• Reliable customer support

Rules:

• CD earns monthly compounded interest that is credited to the account every month.
• Early withdrawal is charged with a penalty.
• Any changes to the CD term can be done during the grace period.

Pros:

• No hidden charges and account fees
• Terms ranging from 3 months to 10 years
• Stress-free banking experience
• Minimum penalty on early withdrawal

Rules:

• Open an account with the bank and apply for a CD account addition.
• Get confirmation on email and make the deposit to the account.
• CD earns compounded interest on a monthly basis.
• Early withdrawal is charged with a penalty depending on the term of the CD.

Pros:

• competitive CD rates and guaranteed returns
• Traditional term CDs and Jumbo CDs are available
• Term ranging 6 months to 3 years
• Customer-first service
• 24/7 account access through a mobile app

Rules:

• Open an account with a bank online or contact the branch.
• Make the initial deposit to earn interest on a monthly compounding basis.
• 90 days simple interest is charged as a penalty on premature withdrawal of CD with a term of fewer than 12 months. For CDs with the duration of more than 12 months, the penalty is 180 days of simple interest.

Pros:

• Highly competitive interest rates
• Easy access to the account
• Mobile banking option
• FDIC-insured banking

Rules:

• Open a CD account with bank online or by contacting the branch
• Interest on CD is compounded monthly and credited to the account every month on a fixed date.
• The premature penalty depends on the CD term.
• The 10-day grace period on maturity to make changes to the CD term or add more funds to the CD.

Pros:

• High-yield CD option
• Low minimum amount requirements
• 24/7 customer support and account access
• FDIC insures to the max permitted by law

Rules:

• CD can be booked online or at the branch
• There is a cap on the maximum deposit to the CD set at $250,000
• The CD earns monthly compounded interest
• A penalty is charged for premature withdrawal.

Pros:

• High rates of interest
• FDIC insured investment
• Variety of terms on CDs
• Strong customer support system

Rules:

• Interest on CD is compounded monthly and added to the account at the month;’s end
• Early withdrawal of the principal is charged with a penalty depending on the term of the CD.

Pros:

• The best interest rate on a 3-year CD
• Easy access to the account
• Reliable customer support
• No hidden fee or monthly maintenance charges

Rules:

• Interest is calculated on a monthly compounding basis and transferred to the account every month
• There is a 10 days grace period on maturity to make changes to the CD term or add more money
• Early withdrawal from the CD is charged with a penalty depending on the CD term

Pros:

• Top-tier rate of interest
• Decent minimum amount requirement
• FDIC-insured banking option
• 24/7 account access

Rules:

• A CD can be opened online or by contacting the branch.
• The investor has to make a minimum deposit allowed of  $500. The maximum deposit limit is set at $250,000.
• The interest on the CD is compounded monthly.
• Premature withdrawal from the CD is subject to a penalty.

Pros:

• Choices of CD terms ranging from 12 months to 60-month
• Auto-renewal at maturity
• No monthly maintenance fees
• FDIC-insured to the max limit

Rules:

• CDs can be opened online or at the branch.
• The interest is calculated and compounded monthly.
• Customers can choose monthly, quarterly, yearly, or at-maturity dividend disbursal.
• Early withdrawal is charged a penalty:
• 90 days of interest for CDs with a term of less than 12 months
• 180 days of interest for CDs with terms of more than 12 months
• Auto-renewal at maturity. Changes to the CD can be done during the grace period.

Pros:

• High-yield CD option
• Terms available 30 days 60 months
• Higher earnings with compounded interest
• FDIC-insured

Rules:

• The interest on CD is compounded monthly and credited to the account every month.
• Premature withdrawal of principal is charged with a penalty.
• CD terms can be altered or more amounts can be added to the CD during the grace period after maturity.