Bank · FDIC insured
Balboa Thrift and Loan CD Rates
Balboa Thrift and Loan’s best CD rate is 4.13% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Balboa Thrift and Loan’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Balboa Thrift and Loan has the most branches. $10,000, best rate first.
This bank’s best
Balboa Thrift and Loan
4.13%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $843
Jumbo Certificates of Deposit
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Balboa Thrift and Loan CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.03%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo4.13%
- 31–60 months31–60 mo3.82%
- QualifiedQualified4.13%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Balboa Thrift and Loan ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Jumbo Certificates of Deposit
Up to 4.13%APY · 8 terms
No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.98% | $98 |
| 6 months | 4.03% | $200 |
| 12 months | 4.08% | $408 |
| 18 months | 4.08% | $618 |
| 24 months | 4.13% | $843 |
| 36 months | 3.82% | $1,190 |
| 48 months | 3.82% | $1,618 |
| 60 months | 3.82% | $2,062 |
Sources (2)
All captured Oct 6, 2026
Mini Money Maker Certificates of Deposit
Up to 4.13%APY · 6 terms
No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.98% | — |
| 6 months | 4.03% | — |
| 12 months | 4.08% | — |
| 18 months | 4.08% | — |
| 24 months | 4.13% | — |
| 36 months | 3.82% | — |
Sources (2)
All captured Oct 6, 2026
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.