Hacienda Heights, California CD rates range from 0.02% to 5.90% APY, verified by MonitorBankRates as of October 28, 2026. Current Hacienda Heights, California CD rates include CIT BankCIT Bank2233 S Hacienda Blvd, Hacienda Heights, CA 91745A5.0 ★Texas Ratio: 7.72%Real return: +0.30%APY minus CPIRate verified Oct 26, 2026 offering 1-Year Term CD at 4.00% APY, Industrial and Commercial Bank of China USAIndustrial and Commercial Bank of China USA17180 Colima Rd, Hacienda Heights, CA 91745B-4.3 ★Texas Ratio: 23.84%Real return: +0.10%APY minus CPIRate verified Oct 28, 2026 offering Special Personal CD Promotion - 3-month at 3.80% APY, CTBC Bank CorpCTBC Bank Corp1605 1697 S Azusa Ave Unit 16075, Hacienda Heights, CA 91745A5.0 ★Texas Ratio: 8.76%Real return: -0.40%APY minus CPIRate verified Oct 26, 2026 offering Online Personal CD - 6 Month CD at 3.30% APY, First Citizens BankFirst Citizens Bank2233 S Hacienda Blvd, Hacienda Heights, CA 91745A5.0 ★Texas Ratio: 7.72%Real return: -1.70%APY minus CPIRate verified Oct 26, 2026 offering 12 Month Certificate of Deposit at 2.00% APY, and Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.87%Real return: +2.20%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Relationship Certificate at 5.90% APY. CD rates as of October 28, 2026 according to verified data from MonitorBankRates.
Hacienda Heights has 32 local institutions in our database, with CD rates as high as 4.00% APY from CIT Bank at 2233 S Hacienda Blvd, Hacienda Heights, CA 91745. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 28, 2026
Special Personal CD Promotion; Deposit Amount: $2,500 Minimum balance; APY effective as of 9/24/2026; ICBC (USA) personal demand deposit customers only; Early withdrawal penalties may apply
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies
APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026
Term: 3 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
No minimum deposit
Promotional yield; APY calculated on 3.93% base rate; membership eligibility required; no additional deposits; IRA share certificates do not qualify
Balance: $99,999 or less; Offer good for initial term only, CD automatically renews for the same term
Balance: $99,999 or less; Offer good for the initial term only; CD automatically renews for the same term
Minimum to open $1,000.00; Rates effective 10-22-2026
Balance: $10,000.00 and over
Balance: $2,000.00 - $9,999.99
APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only
Dividend rate from comparison table
Balance: under $100k; Limited time special offer; Requires $500 new money (existing customers: $0.75 of every $1.00 new money); Not available for individual retirement or business accounts; Early withdrawal penalty applies
Balance tier: $250,000
Limited-time special CD rate for short-term savings
Digital | Consumer CD
Digital Products
Minimum deposit $500 (Min. Certs.)
Rewards+ Loyalty Program
Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.63%; Anticipated APY 3.70%
Compounded Daily; Minimum balance of $1,500 is required to earn the posted APY
Balance tier: $100,000
Balance: $10,000 and over; $100,000 per member maximum
Balance: $10,000 and over; $100,000 per member maximum
Balance: $10,000.00 and over; $100,000 per member maximum
Effective Date: 09/01/2026; APY requires minimum $95,000 of New-to-Tech CU money; one penalty-free withdrawal per calendar month
Effective Date 09/01/2026; Minimum opening balance of $1,000 in new-to-Tech CU money; APY available with minimum $1,000 new-to-Tech CU money; Unlimited withdrawals without penalty six days after opening, minimum $1,000 must be maintained
Anticipated rates; Effective as of: 10-19-2026 (PST)
Limited time offer; dividend rate fixed for the term; Rates valid as of October 25, 2026; Disclaimers: C, DDD, MM
Limited time offer; dividend rate fixed for the term and not subject to a tiered rate; Disclaimers: AA, C, G, MM
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Earn 3.55% APY on balances of $500 or more; Fund up to $500,000 online and up to $1,000,000 in a branch
Only a minimum deposit of $1,000 is required for the 3 month Bronze Share Certificate; unlimited add on deposits allowed on the 3 month Certificate only
Retail/Consumer only
Balance: $80,000.00 and Over; Rates effective as of October 1, 2026
Balance tier: $2,500
Balance: $10,000+ (Jumbo)
Effective March 1, 2026; Dividends compounded Daily; Dividends credited Quarterly
Dividend Rate 3.455%; Share Certificate Rates current as of October 23, 2026
Rate Effective Date: October 23, 2026
Effective Date: 09/01/2026
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Balance: $95,000 or more; Effective Date: 09/01/2026
Minimum of $1,000 to open your account
Online Only; Minimum opening balance is $5,000; Early withdrawal penalty applies
Minimum to open $500.00; maximum opening deposit $500,000.00; early withdrawal penalty may apply
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened
Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies
Digital | Consumer CD
$100,000 minimum for Promotional 4.25% CD for 6 months; Promotional CD rate is for new money; Early withdrawals subject to penalty
Term: 6 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Balance: $500 and above; Limited-time summer certificate special
Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; All regular certificates can be opened as IRA certificates, unless otherwise noted; Terms and conditions may vary by account
Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account
Promo; Rate type: Fixed
Rewards+ Loyalty Program
New money deposits required; $10,000 minimum opening deposit
Promotional rate good for initial term only
Share Certificate Rates current as of October 23, 2026
Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Retail/Consumer only
Balance tier: $100,000
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.; Promotional rate good for initial term only.
Business certificate of deposit; APY accurate as of 10/26/2026; Limited-time offer
Short-Term Growth; Minimum to open: $2,500
Rate Type: Fixed; Dividends paid monthly
APY based on minimum deposit of $1,000; APYs current as of 9/9/2025; penalty may be assessed for early withdrawal
Balance: $10,000.00 and over
Balance: $2,000.00 - $9,999.99
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Wealth Center/Telephone Only; Minimum balance to open account: $1,000; Not available to business customers
Online Only; 30-day penalty may apply for early withdrawal
Promotional yield; APY calculated on 3.93% base rate; membership eligibility required; no additional deposits; IRA share certificates do not qualify
Balance: $99,999 or less; Offer good for initial term only, CD automatically renews for the same term
Balance: $99,999 or less; Offer good for the initial term only; CD automatically renews for the same term
Balance: $500 minimum; Dividend rate 3.93%, APY 4.00%; Business promo term certificate
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Early withdrawal penalties may apply
Minimum to open $1,000.00; Rates effective 10-22-2026
Dividend Rate 3.9285%; APY 4.00%
Balance tier: $100,000 and over; Rate effective October 1, 2026
Balance: $50,000 & up; Dividends Paid Monthly
Rate type: Fixed; Minimum to earn dividends: $100,000.00
Rate Type: Fixed
APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only
Balance: $10,000+ (Jumbo)
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Online Only; Minimum opening balance is $5,000; Account is subject to early withdrawal penalty
Online Only; Minimum opening balance is $5,000; Account is subject to early withdrawal penalty
Terms Apply; Balance: < $90,000
Balance: $100.00 - $4,999.99; Pathfinder accounts are for members 17 years and younger; Rates effective January 1, 2026
Balance tier: $25,000 and over; Rate effective October 1, 2026
Balance tier: $10,000 and over; Rate effective October 1, 2026
Today's best rate is up to 4.70% APY; includes a .50 bonus for active and engaged Loyalty+ members; minimum opening deposit $100; membership and checking or savings account required
Featured rate; Online Only; 30-day penalty may apply for early withdrawal
Early withdrawal penalties may apply
Minimum to open $1,000.00; Rates effective 10-22-2026
Balance tier: $1,000 and over; Rate effective October 1, 2026
Share Certificate Rates current as of October 23, 2026
Available to new funds only; early withdrawal penalty may apply; APY accurate as of 10/1/2026
Minimum balance to open account online: $1,000; Opened online; Not available to business customers
New money deposits required; $2,500 minimum opening deposit
Digital | Consumer CD
Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal
Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
APY based on minimum deposit of $1,000; APYs current as of 9/9/2025; penalty may be assessed for early withdrawal
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Wealth Center/Telephone Only; Minimum balance to open account: $1,000; Not available to business customers
Balance tier: $100,000
Business certificate of deposit; Maximum deposit $10 million; APY accurate as of 10/26/2026; Limited-time offer
Top Rate; Minimum to open: $500
Balance: All balance ranges
Featured Rate; Balance: All balance ranges
IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened
Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies
Retail/Consumer only
Featured rate
$100,000 minimum for Promotional 4.25% CD for 12 months; Promotional CD rate is for new money; Early withdrawals subject to penalty
Term: 1 year with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Epic Premium account holders receive a .25% bonus on a new 1-year Term Share Certificate; Stated Rate 4.169%
Effective January 1, 2026; Available only for members under 18 years of age; Dividends not paid on amounts over $50,000.00; Dividends compounded Daily; Dividend period/credited Quarterly
IRA Certificate Rates; APY (Estimate); $1,000 minimum deposit required for New Money; Early withdrawal penalties may apply
Rate Effective Date: October 23, 2026
Tier 4; Minimum balance to open & earn APY: $400; Tiered rate term account; maximum principal balance $500; one Share Saver Certificate per account
Rewards+ Loyalty Program
Maximum Balance $1,000.00; Traditional, Roth & Coverdell Education; Rates Set: Monthly; Add funds at any time throughout the certificate term up to $1,000; Limit One Per Member Under 18 Years of Age; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Today's best business rate
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Limited time only; Earn up to 4.50% APY
Online Only; 30-day penalty may apply for early withdrawal
Share Certificate Rates current as of October 23, 2026
Senior rate
Balance: $100,000 Minimum
Senior rate
Certificate Special; Minimum balance to obtain APY: $500; APY accurate as of 09-28-2026
Balance: $50,000 Minimum
IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Term: 18 months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Early withdrawal penalties may apply
Minimum to open $1,000.00; Rates effective 10-22-2026
Rate Effective Date: October 23, 2026
CD Special; Balance: $100,000+
Promotional 18-month IRA certificate; automatically renews into a standard 24-month certificate at the rate in effect at renewal; Early withdrawal penalties may apply
Promotional 18-month certificate; automatically renews into a standard 24-month certificate at the rate in effect at renewal; Early withdrawal penalties may apply
Rewards+ Loyalty Program
Balanced Growth; Minimum to open: $500
GBC 50th Anniversary Special!
Balance: $25,000 Minimum
IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Balance tier: $100K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
CD Special; Balance: $50,000 - $99,999
Balance tier: $1K Minimum APY; Share, IRA, ESA; Rates as of Oct 26, 2026 ET; Dividends compounded daily, credited monthly; penalties apply for early withdrawals
Balance: $10,000.00 and over
Balance: $2,000.00 - $9,999.99
Balance: $200,000.00 and over
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Balance: $90,000.00 - $199,999.99
CD Special; Balance: $1,000 - $49,999
Effective Date: 09/01/2026
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Balance: $95,000 or more; Effective Date: 09/01/2026
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.92%; Anticipated APY 4.00%
Balance: > $90,000
Balance: > $90,000
Fixed-Rate Account; Online application subject to approval; Account subject to early withdrawal penalty; To receive the APY, account must be opened online
Minimum of $1,000 to open your account
Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Rewards+ Loyalty Program
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Wealth Center/Telephone Only; Minimum balance to open account: $1,000; Not available to business customers
Online Only; 30-day penalty may apply for early withdrawal
Share Certificate Rates current as of October 23, 2026
Balance: $100,000 +
Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Term: 24 Months ( 2 Years ); Balance tier: $250,000
Standard Term Certificate; available to personal and business members
Term: 2 years with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Epic Premium account holders receive a .25% bonus on a new 2-year Term Share Certificate; Stated Rate 4.169%
Minimum to open $1,000.00; Rates effective 10-22-2026
IRA Certificate Rates; APY (Estimate); $1,000 minimum deposit required for New Money; Early withdrawal penalties may apply
Rate Effective Date: October 23, 2026
Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply
Long-Term Security; Minimum to open: $500
Balance: $500-$99,999
Balance: $500 and above; Limited-time summer certificate special
Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; All regular certificates can be opened as IRA certificates, unless otherwise noted; Terms and conditions may vary by account
Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account
Promotional homepage card: Lock in your 4.15 APY* with a 24-Month Share Certificate
Balance: $10,000.00 and over
Balance: $2,000.00 - $9,999.99
Balance: $250,000 and over
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Balance: $100,000.00 and over
Term: 24 Months ( 2 Years ); Balance tier: $100,000
Effective Date: October 1, 2026
Fixed rate; Effective Date: October 1, 2026
Balance: $200,000.00 and over
Balance: $200,000.00 and over
Minimum of $1,000 to open your account
Rewards+ Loyalty Program
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal
Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.
Share Certificate Rates current as of October 23, 2026
Rate Effective Date: October 23, 2026
Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Interest Calculation: Compounded Daily; Early Withdrawal: Penalty; Online Only; APY accurate as of 09/25/2026; requires $25,000 minimum balance to obtain the 4.25% APY
Minimum deposit $500 (Min. Certs.)
Minimum to open $1,000.00; Rates effective 10-22-2026
Effective Date: October 1, 2026
Fixed rate; Effective Date: October 1, 2026
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Minimum balance tier: $100K Minimum APY
Balance: $1.00 - $3,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $3,000; Limit one per member under 18 years of age; Early withdrawal penalty applies
Minimum balance tier: $1K Minimum APY
Balance: $100,000.00 and over (per page heading)
APY range: 4.07% - 4.28%; Minimum = $1,000; Jumbo certificates over $75,000 add .20%
Balance: $100,000 +
Balance: $200,000.00 and over
Balance: $50,000.00 - $99,999.99
Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
IRA Certificate Rates; APY (Estimate); $1,000 minimum deposit required for New Money; Early withdrawal penalties may apply
Balance: $90,000.00 - $199,999.99
Retirement Liquid Share Certificates tier ($10,000.00 - $9,999,99 as printed)
Balance: $100,000 and over
Balance: $250; One-time bump feature
Rate type: Fixed
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.92%; Anticipated APY 4.00%
Balance: $500-$99,999
Balance: $50,000.00 - $89,999.99
Minimum of $1,000 to open your account
Rewards+ Loyalty Program
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.
Rate Effective Date: October 23, 2026
Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply
APY range: 4.28% - 4.49%; Minimum = $1,000; Jumbo certificates over $75,000 add .20%
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Minimum deposit $500 (Min. Certs.)
Minimum to open $1,000.00; Rates effective 10-22-2026
Share Certificate Rates current as of October 23, 2026
Rate type: Fixed
Funds on deposit at AFCU not eligible unless matched with outside (new) funds from another financial institution
Effective Date: October 1, 2026
Fixed rate; Effective Date: October 1, 2026
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Balance: $100,000 +
Effective 09/1/2026; Early withdrawal penalty: 180 days
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.97%; Anticipated APY 4.05%
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
IRA Certificate Rates; APY (Estimate); $1,000 minimum deposit required for New Money; Early withdrawal penalties may apply
Gold tier; Anticipated rates; Balance: $50,000 minimum
Anticipated rates; Effective as of: 10-19-2026 (PST)
Balance: $500-$99,999
Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal
Anticipated rates; Silver tier ($20,000 minimum)
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
$50,000 Minimum Balance
Member Rewards Level: Platinum; Min. balance $10,000
Minimum $200.00 deposit
Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Early withdrawal penalty: 180 days dividends; Effective October 21, 2026
Early withdrawal penalty: 180 days dividends; Effective October 21, 2026
Minimum Deposit and Balance $50,000
Rate Type: Fixed
Rate Type: Fixed; Early withdrawals subject to loss of interest penalty; Rates subject to change
Bronze tier; anticipated rates; effective 10-19-2026 (PST)
Minimum of $1,000 to open your account
Minimum: $100,000; APY based on minimum deposits of at least $500
Interest Calculation: Compounded Daily; Early withdrawal penalty; APY accurate as of 09/25/2026; $25,000 minimum balance required to obtain the 4.50% APY; Online Only; Available to California residents, individual and joint ownership accounts
Balance: $50,000 or more tier; Dividend Rate 4.40%, APY 4.50%
Term: 5 years with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Epic Premium account holders receive a .25% bonus on a new 5-year Term Share Certificate; Stated Rate 4.410%
Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal
Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate type: Fixed
Rewards+ Loyalty Program
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Dividend Rate: 4.36%
Balance: $1,000 minimum tier; Dividend Rate 4.31%, APY 4.40%
Balance: $250,000 Minimum Balance (Jumbo)
Traditional and Roth IRA; Jumbo
Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.
APY range: 4.39% - 4.59%; Minimum = $1,000; Jumbo certificates over $75,000 add .20%
$10,000.00 minimum to open; Jumbo CD
Balance: $100,000 Minimum Balance (Jumbo)
Traditional and Roth IRA; Jumbo
Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply
Product code 9500; Dividends calculated daily and paid monthly
Account code 9500; Dividends calculated daily and paid monthly; 90-day forfeiture of dividends on early withdrawal for certificates over one year
Account code 9500
Balance: $50,000 Minimum Balance
Balance: $250,000 Minimum Balance (Jumbo)
Traditional and Roth IRA
Jumbo
Rate Effective Date: October 23, 2026
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Minimum deposit $500 (Min. Certs.)
Early withdrawal penalties may apply
Minimum to open $1,000.00; Rates effective 10-22-2026
Compare local Hacienda Heights, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California 12-month CD rates rose 0.004 points over the past 7 days to 3.187% APY.
California 6-month CD rates fell 0.001 points over the past 7 days to 2.970% APY.
Where are California CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.430% | $121.48 | $242.96 | $607.40 | $1,214.80 |
| 6-Month CD | 2.970% | $148.49 | $296.97 | $742.43 | $1,484.85 |
| 12-Month CD | 3.187% | $159.34 | $318.68 | $796.70 | $1,593.40 |
| 18-Month CD | 3.093% | $154.64 | $309.28 | $773.20 | $1,546.40 |
| 24-Month CD | 2.989% | $149.46 | $298.92 | $747.30 | $1,494.60 |
| 36-Month CD | 3.011% | $150.57 | $301.13 | $752.82 | $1,505.65 |
| 48-Month CD | 3.060% | $152.98 | $305.97 | $764.93 | $1,529.85 |
| 60-Month CD | 3.194% | $159.69 | $319.37 | $798.43 | $1,596.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 28, 2026. | |||||
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.430% | $121.48 |
| 2 | 6-Month CD | $5,000 | 2.970% | $148.49 |
| 3 | 12-Month CD | $5,000 | 3.187% | $159.34 |
| 4 | 24-Month CD | $5,000 | 2.989% | $149.46 |
| 5 | 36-Month CD | $5,000 | 3.011% | $150.57 |
| Total ($25,000 invested) | $25,000 | 2.917% blended | $729.34/yr | |
Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 3,575 CD rates from 37 banks and 93 credit unions with locations in Hacienda Heights, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: CIT Bank offers a CD at 4.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Hacienda Heights, California.
What to compare when shopping for a CD in Hacienda Heights, California
To find the best APYs in Hacienda Heights, California, start with credit unions and online-only banks: Hacienda Heights, California has 93 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
21.3% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s CA 12-month CD average of 3.187%, saving 10% of the local median salary ($4,721/year) and putting it in a CD would earn an additional $150 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Hacienda Heights, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Hacienda Heights, California as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Hacienda Heights, California savers easier access to their funds. For example, CIT Bank is offering its 6-Month Term CD at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CIT Bank is offering its 5-Year Jumbo CD at 0.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Hacienda Heights, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Hacienda Heights, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Hacienda Heights, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Hacienda Heights, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
At today’s CA top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Hacienda Heights, California CD LadderCA CD rates currently range from 2.430% (3-month) to 3.011% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hacienda Heights, California CD at 4.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 3.187% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hacienda Heights, California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
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Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hacienda Heights, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Hacienda Heights, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.