Bank · FDIC insured
Altos Bank CD Rates
Altos Bank’s best CD rate is 4.10% APY on a 3-month CD. Rates checked October 16, 2026.
How Altos Bank’s CD rates compare
Compared with banks and credit unions near San Jose, CA, where Altos Bank has the most branches. $10,000, best rate first.
This bank’s best
Altos Bank
4.10%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $100,000
- Earns on $10,000
- —
Certificate of Deposit
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
4.10%APY · 1 term
Minimum opening deposit is $5,000 for consumers and businesses. Interest is calculated using the daily balance method, earned daily, and credited monthly. Early withdrawal penalties may apply. A 7-calendar-day grace period applies after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPromotional rate through October 31, 2025, subject to change without notice. Minimum balance to earn stated APY is $100,000. Promotion is only valid for new funds not currently on deposit at Altos Bank. Early withdrawal penalty may apply and fees may reduce earnings | 4.10% | — |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.