In Santa Cruz, CA there are 50 bank branches and 2 headquarters banks. The largest bank by asset is the Bank Of America and the smallest bank is the Lighthouse Bank. The average APY for the one year Certificate of Deposits (CD) Rates is 0.43 %. These rates were recorded on October 26th 2010.

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Lighthouse Bank Certificate of Deposits (CD) Rates

The CD rates are available from 30 days or 180 days for IRA up to 5 years. In order to open a CD account you will need a deposit of $10,000. For IRA you will only need $2,000.

It’ s important to know that you can only make additional deposits if you have an IRA account. For withdrawals you will have to pay an early withdrawal penalty. The only exception is for IRA distributions.

Some other products offered by the Lighthouse Bank are the Personal Money Market, Personal Savings and Personal Overdraft Savings. For the Personal Money Market you will have to maintain a balance of $5,000 in order to avoid any monthly fees. For the Personal Savings and Personal Overdraft Savings you will need at least $500.

Wells Fargo Bank Certificate of Deposits (CD) Rates

The CD Rates offered by the Wells Fargo Bank are: 3 months – 0.05% APY, 6 months – 0.10% APY and 1 year – 0.15% APY.

For the 3 months CD term the minimum deposit is $2,500. If you want to open the 6 months or the 1 year CD term you will need a deposit of $2,500. If you need to make an early withdrawal you will have to pay a fee. At the end of the term you can allow your CD to renew automatically or withdraw your money. You can also change the term or make an extra
deposit. Another product you provided by the Wells Fargo Bank is the savings account. The minimum deposit for opening this savings account is $100.

Banks in Santa Cruz, CA – Branch Locations

  • Lighthouse Bank is located at the following address: 111 Mission Street, Downtown Santa Cruz, CA 95060.
  • Wells Fargo Bank – 74 River Street, Santa Cruz, CA (831) 469-3525 ‎
  • Santa Cruz County Bank – 720 Front Street, Santa Cruz, CA (831) 457-5000 ‎
  • Bank of the West – 1551 Pacific Avenue, Santa Cruz, CA (831) 429-1124 ‎
  • Bank of America – 104 River Street, Santa Cruz, CA (831) 457-3560 ‎
  • Comerica Bank – 25 River Street, Santa Cruz, CA (831) 460-4001 ‎
  • Lighthouse Bank – 111 Mission Street, Santa Cruz, CA (831) 600-4000 ‎
  • U.S. Bank – 110 Morrissey Boulevard, Santa Cruz, CA (831) 425-1222 ‎
  • Santa Cruz Community Credit Union – 324 Front Street, Santa Cruz, CA (831) 425-7708 ‎
  • Bay Federal Credit Union – 420 River St # C, Santa Cruz, CA (831) 479-6000 ‎
  • Valley Community Bank – 740 Front St # 310, Santa Cruz, CA (831) 421-0236 ‎
  • Chase ATM – 730 Ocean Street, Santa Cruz, CA (877) 682-4273 ‎
  • Bank of America ATM – Pacific Garden Mall, 1128-A Pacific Avenue, Santa Cruz, CA (800) 622-8731 ‎
  • Comerica Bank – 1901 Mission Street, Santa Cruz, CA (831) 426-2074 ‎
  • Bank of America Mortgage – 806 Ocean Avenue, Santa Cruz, CA (831) 420-2916 ‎
  • Santa Cruz County Bank – 325 Soquel Avenue, Santa Cruz, CA (831) 457-5000 ‎
  • Chase Bank and ATM – 730 Ocean Street, Santa Cruz, CA (831) 427-0532 ‎
  • U.S. Bank – 2203 Mission Street, Santa Cruz, CA (831) 471-9183 ‎
  • Comerica Bank – 1237 Soquel Avenue, Santa Cruz, CA (831) 457-1071 ‎
  • Bank of America – 1640 Mission Street, Santa Cruz, CA (831) 457-3560 ‎

Santa Cruz Credit Unions

  • Santa Cruz Community Credit Union – 324 Front Street, Santa Cruz, CA (831) 425-7708 ‎
  • Bay Federal Credit Union – 420 River St # C, Santa Cruz, CA (831) 479-6000 ‎
  • Santa Cruz County Employees Credit Union – 8030 Soquel Avenue # 201, Santa Cruz, CA (831) 479-7600 ‎
  • Bay Federal Credit Union – 255 Mount Hermon Rd # C, Scotts Valley, CA (831) 479-6000 ‎
  • Monterey Credit Union – 2750 41st Ave # F, Soquel, CA (831) 462-5080 ‎
  • Bay Federal Credit Union – 3333 Clares Street, Capitola, CA (831) 479-6000 ‎
  • Bay Federal Cu Mtg Lending – 3333 Clares Street, Capitola, CA (831) 477-8406 ‎
  • Watsonville Hospital FCU – 75 Nielson Street, Watsonville, CA (831) 724-8098 ‎
  • Wells Fargo Bank – 74 River Street, Santa Cruz, CA (831) 469-3525 ‎
  • Meriwest Credit Union – 5615 Chesbro Avenue, San Jose, CA (877) 637-4937 ‎
  • Provident Credit Union – 15425 Los Gatos Boulevard, Los Gatos, CA (800) 632-4600 ‎
  • Santa Cruz Community Credit Union – 1428 Freedom Boulevard, Watsonville, CA (831) 786-1970 ‎
  • Valley Credit Union, a division of CEFCU – 670 Lincoln Avenue, San Jose, CA (408) 955-1300 ‎
  • Technology Credit Union – 1562 South Bascom Avenue, Campbell, CA (408) 626-8973 ‎
  • Alliance Credit Union HQ – Corporate Offices – 3315 Almaden Expressway Suite 55, San Jose, CA (800) 232-8669 ‎
  • Star One Credit Union – San Jose Branch – 1090 Blossom Hill Road, San Jose, CA (408) 543-5203 ‎
  • CommonWealth Central Credit Union – San Jose, CA (408) 531-3100 ‎
  • Pacific Postal Credit Union – 1040 Leigh Avenue, San Jose, CA (408) 275-8595 ‎
  • Santa Clara County Federal CU – 5353 Almaden Expy # 65, San Jose, CA (408) 282-0700 ‎