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 Home Bank of California Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Home Bank of California's 36-Month JUMBO CD rates are at 3.78%, 36-47-Months 36-47-Month Certificates of Deposit rates are at 3.26%, 24-35-Months 24-35-Month Certificates of Deposit rates are at 3.21%, 3-5-Months 3-5-Month Certificates of Deposit rates are at 3.20%, 6-8-Months 6-8-Month Certificates of Deposit rates are at 3.15%. Home Bank of California's savings rates are at 0.30%. MonitorBankRates evaluates the financial stability of Home Bank of California with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/17/2026. Home Bank of California money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Home Bank of California? Share your experience about Home Bank of California by leaving a review below, or read customer reviews before you decide to use Home Bank of California. 
Home Bank of California CD Rates
Home Bank of California Savings Rates
Home Bank of California Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Home Bank of California is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Home Bank of California rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Home Bank of California's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Home Bank of California
FDIC Certificate #
26271
Address
4493 Ruffin Rd,
San Diego, CA 92123 · San Diego
Website
https://www.hbc.bank
Established
10/31/1981
FDIC Insurance Date
06/03/1985
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.6380%
Return on Equity (ROE)
14.1100%
Non-Performing Loans (NPL)
0.00%
Total Assets
$246,729,000
Total Deposits
$195,648,000
Equity Capital
$31,124,000
Net Income
$5,566,000
Headquarters
San Diego
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Home Bank of CaliforniaIs Home Bank of California a safe place to deposit money?Yes, Home Bank of California is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Home Bank of California operate?Home Bank of California currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Home Bank of California does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Home Bank of California provides members with tools to manage their accounts and build a solid financial history. Does Home Bank of California offer online and mobile banking?Most modern institutions like Home Bank of California provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hbc.bank. Current Home Bank of California Rates
Retrieved from our database of financial products. Rates subject to change.
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