Some of the best CD rates in Modesto, CA can be found at the Oak Valley Community Bank, Chase Bank and Bank of America.

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Oak Valley Community Bank has marginally, high CD rates: offering a 1 year CD at 0.60% APY. The minimum opening balance for a certificate of deposit is $2,500. The interest is compounding on a daily basis. The terms can range from 1 month to 5 years.

  • 1 month – 0.20% APY CD rate
  • 6 month – 0.30% APY CD rate
  • 1 year – 0.60% APY CD rate
  • 2 year – 0.90% APY CD rate
  • 3 year – 1.44% APY CD rate

The Oak Valley Community Bank is also offering IRAs, savings accounts, Home Equity Loans and Health Savings Accounts.

As a client, of Chase Bank, you will be able to earn a fixed interest rate for the CD terms. The terms can vary from 6 months to 3 years. You can choose to receive the interest into a current CD, a Checking or savings account.

  • 6 month – 0.25% APY CD rate
  • 1 year – 0.25% APY CD rate
  • 18 month – 0.50% APY CD rate
  • 2 year – 0.50% APY CD rate
  • 3 year – 1.01% APY CD rate

The Chase Bank is also offering other products and services like Checking Accounts and Savings & Money Market Accounts.

Bank of America has lower yielding CD rates, their Certificate of deposit terms can vary from 7 days to 10 years. For the promotional and Opt-Up CD accounts you will need a minimum of $10,000. The Risk Free CD requires $5,000. For early withdrawal you will be required to pay an extra fee.

  • 1 month – 0.25% APY CD rate
  • 3 month – 0.28% APY CD rate
  • 1 year – 0.45% APY CD rate
  • 2 year – 0.65% APY CD rate
  • 3 year – 11% APY CD rate
  • 5 year – 1.39% APY CD rate
  • 10 year – 1.40% APY CD rate

Banks in Modesto: Branch Locations, Phone numbers

  • Westamerica Bank – 1003 12th Street, Modesto, CA (209) 572-7510 ‎
  • Union Bank – 1124 J Street, Modesto, CA (209) 576-2000 ‎
  • Wells Fargo Bank – 1120 K Street, Modesto, CA (209) 578-6810 ‎
  • U.S. Bank – 2008 McHenry Avenue, Modesto, CA (209) 491-5040 ‎
  • Stanislaus County Federal CU – 1419 J Street, Modesto, CA (209) 549-8511 ‎
  • Bank of the West – 3801 Pelandale Ave # C, Modesto, CA (209) 545-7580 ‎
  • Oak Valley Community Bank – 1200 I St # 300, Modesto, CA (209) 549-2265 ‎
  • F & M Bank – 3001 McHenry Avenue, Modesto, CA (209) 571-4000 ‎
  • Bank of America – 1601 I Street, Modesto, CA (209) 578-6012 ‎
  • U.S. Bank – 1120 11th Street, Modesto, CA (209) 491-5050 ‎
  • Guaranty Bank #963 – 3013 McHenry Avenue, Modesto, CA (209) 526-2933 ‎
  • Umpqua Bank – 2525 McHenry Avenue, Modesto, CA (209) 593-6600 ‎
  • Modesto Commerce Bank – 1302 J Street, Modesto, CA (209) 521-4100 ‎
  • Tri Counties Bank – 3020 Floyd Ave # 139, Modesto, CA (209) 551-0161 ‎
  • Tri Counties Bank – 2020 Standiford Ave # A, Modesto, CA (209) 548-4030 ‎
  • Delta National Bank – 2711 McHenry Avenue, Modesto, CA (209) 527-3700 ‎
  • Chase Bank and ATM – 2609 McHenry Avenue, Modesto, CA (209) 529-7984 ‎
  • Pacific State Bank – Ste H, 2020 Standiford Avenue, Modesto, CA (209) 758-1300 ‎
  • Bank of Agriculture & Commerce – 2605 Coffee Rd # 100, Modesto, CA (209) 544-2227 ‎
  • Bank of America Mortgage – 1301 L Street Ste 1, Modesto, CA (209) 571-4900 ‎

Credit Unions in Modesto, CA

  • Valley First Credit Union – 1419 J Street, Modesto, CA (209) 549-8500 ‎
  • Mocse Federal Credit Union – 3600 Coffee Road, Modesto, CA (209) 572-3600 ‎
  • Community Trust Credit Union – 2504 Tenaya Drive, Modesto, CA (209) 521-6015 ‎
  • Valley First Credit Union – 3401 Dale Rd # 700, Modesto, CA (209) 577-2878 ‎
  • Modesto’s First Federal CU – 430 12th Street, Modesto, CA (209) 521-2020 ‎
  • California Community Credit Union – 2900 Standiford Ave # 9, Modesto, CA (209) 544-3971 ‎
  • Organized Labor Credit Union – 2112 Mchenry Ave # A, Modesto, CA (209) 527-8731 ‎
  • Operating Engineers Fed CU – 538 Mchenry Ave # A, Modesto, CA (209) 525-8460 ‎
  • Valley First Credit Union – 1005 West Orangeburg Avenue, Modesto, CA (209) 549-8500 ‎
  • Community Trust Cu – 2256 Patterson Road, Riverbank, CA (209) 521-6015 ‎
  • Rolling F Credit Union – 2101 Geer Rd # 401, Turlock, CA (209) 634-2911 ‎
  • Financial Center Credit Union – 206 East Yosemite Avenue, Manteca, CA (209) 824-7065 ‎
  • Golden Valley Credit Union – 409 W Center St, Manteca, CA (209) 825-5878 ‎
  • Valley First Credit Union – 2655 Geer Road, Turlock, CA (209) 656-6605 ‎
  • Mocse Credit Union – 321 East Main Street, Turlock, CA (209) 632-5400 ‎
  • Yosemite Farm Credit – 1213 13th Street, Modesto, CA (209) 527-1900 ‎
  • State Employee Credit Union 84 – 23500 Kasson Rd, Tracy, CA (209) 836-4230 ‎
  • Central Valley Farm Credit – 1115 14th Street, Modesto, CA (209) 522-1080 ‎
  • Central State Credit Union – 919 North Center Street, Stockton, CA (209) 444-5300 ‎
  • Premier Community Credit Union – 951 Central Avenue, Tracy, CA (209) 836-2185 ‎