Bank · FDIC insured
El Dorado Savings Bank CD Rates
El Dorado Savings Bank’s best CD rate is 3.24% APY on a 14-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How El Dorado Savings Bank’s CD rates compare
Compared with banks and credit unions near Sacramento, CA, where El Dorado Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
El Dorado Savings Bank
3.24%APY
- Term
- 14 months
- Minimum
- $10,000
- Earns on $10,000
- $379
Certificates of Deposit
Top rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
Heritage Community Credit Union
4.40%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $821
El Dorado Savings Bank CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo2.74%
- 9–15 months9–15 mo3.24%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.90%
- QualifiedQualified3.24%
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 El Dorado Savings Bank 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 3.29%APY · 4 terms
A penalty may be imposed for withdrawals before maturity from term accounts. Fees imposed on your account may affect the annual percentage yield.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 120 to 149 days | 0.15% | — |
| UnknownTerm: 150 to 179 days | 0.18% | — |
| UnknownTerm: 180 to 239 days | 2.78% | — |
| UnknownTerm: 240 to 269 days | 0.23% | — |
| UnknownTerm: 270 to 365 days | 3.29% | — |
| UnknownTerm: 30 to 59 days | 0.08% | — |
| UnknownTerm: 60 to 89 days | 0.10% | — |
| UnknownTerm: 90 to 119 days | 1.29% | — |
| 24 months | 0.55% | — |
| 36 months | 0.60% | — |
| 60 months | 1.00% | — |
Sources (1)
- eldoradosavingsbank.com/Personal/Certificates-of-Deposit · captured Oct 16, 2026
Certificates of Deposit
Up to 3.24%APY · 19 terms
A penalty may be imposed for withdrawals before maturity from term accounts. Fees imposed on your account may affect the annual percentage yield.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month | — | — | 0.05% | 0.05% | $0 |
| 2 months | — | 0.10% | — | 0.10% | $2 |
| 3 months | 0.10% | — | 1.24% | 1.24%0.10% from $500 | $31 |
| 4 months | — | — | 0.15% | 0.15% | $5 |
| 5 months | — | — | 0.15% | 0.15% | $6 |
| 6 months | 0.16% | — | — | 0.16% | $8 |
| 7 months | — | — | 2.74% | 2.74% | $159 |
| 8 months | — | — | 0.18% | 0.18% | $12 |
| 9 months | — | — | 0.20% | 0.20% | $15 |
| 10 months | — | — | 0.20% | 0.20% | $17 |
| 12 months | 0.20% | — | — | 0.20% | $20 |
| 14 months | — | — | 3.24% | 3.24% | $379 |
| 15 months | — | — | 0.30% | 0.30% | $38 |
| 18 months | 0.30% | — | — | 0.30% | $45 |
| 24 months | 0.40% | — | — | 0.40% | $80 |
| 25 months | — | 0.45% | — | 0.45% | $94 |
| 30 months | 0.50% | — | — | 0.50% | $125 |
| 36 months | 0.55% | — | — | 0.55% | $166 |
| 60 months | 0.90% | — | — | 0.90% | $458 |
Sources (1)
- eldoradosavingsbank.com/Personal/Certificates-of-Deposit · captured Sep 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
0.50%APY · 1 term
A penalty may be imposed for withdrawals before maturity from term accounts. Fees imposed on your account may affect the annual percentage yield. Retirement account administration fee is $15.00 annually.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 0.50% | $75 |
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.