Bank · FDIC insured
Exchange Bank CD Rates
Exchange Bank’s best CD rate is 4.00% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Exchange Bank’s CD rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Exchange Bank has the most branches. $10,000, best rate first.
This bank’s best
Exchange Bank
4.00%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $99
Personal CD - Promotional Offer
Top rate
Poppy Bank
4.25%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $105
2nd-highest rate
Patelco Credit Union
4.25%APY
- Term
- 7 months
- Minimum
- $250
- Earns on $10,000
- $246
Exchange Bank CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo0.45%
- QualifiedQualified4.00%
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 Exchange 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.
Personal CD - Promotional Offer
Up to 4.00%APY · 5 terms
New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsOffer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies | 4.00% | $99 |
| 6 monthsOffer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies | 4.00% | $198 |
| 9 monthsOffer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies | 4.00% | $299 |
| 12 monthsOffer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies | 4.00% | $400 |
| 24 monthsOffer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies | 3.75% | $764 |
Sources (1)
- exchangebank.com/personal/savings · captured Oct 16, 2026
Personal CD - New Money Promotional Offer
3.75%APY · 3 terms
New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
| Term | APY · Up to $99,999 | APY · Any balance | APY · Up to $99,999 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsOffer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies | 3.75% | — | — | 3.75% | $92 |
| 3 monthsOffer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | 3.75% | — | 3.75% | $92 |
| 6 months | — | — | 3.75% | 3.75% | $186 |
| 6 monthsOffer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies | 3.75% | — | — | 3.75% | $186 |
| 9 months | — | — | 3.75% | 3.75% | $280 |
| 9 monthsOffer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies | 3.75% | — | — | 3.75% | $280 |
Sources (1)
- exchangebank.com/personal/savings · captured Oct 6, 2026
Personal CD
Up to 3.05%APY · 8 terms
CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies.
| Term | APY · Up to $99,999 | APY · Up to $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3–5 monthsCDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies | 3.05% | — | — | 3.05% | $75 |
| 3–5 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | — | 3.06% | —3.06% from $100k | — |
| 6–11 monthsCDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies | 3.05% | — | — | 3.05% | $151 |
| 6–11 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | — | 3.06% | —3.06% from $100k | — |
| 12–17 monthsCDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies | 3.05% | — | — | 3.05% | $305 |
| 12–17 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | — | 3.06% | —3.06% from $100k | — |
| 18–23 months | — | 3.05% | — | 3.05% | $461 |
| 18–23 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | — | 3.06% | —3.06% from $100k | — |
| 24–35 monthsCDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies | 0.40% | — | — | 0.40% | $80 |
| 24–35 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | — | 0.41% | —0.41% from $100k | — |
| 36–47 monthsCDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies | 0.40% | — | — | 0.40% | $120 |
| 36–47 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | — | 0.41% | —0.41% from $100k | — |
| 48–59 monthsCDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies | 0.40% | — | — | 0.40% | $161 |
| 48–59 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | — | 0.41% | —0.41% from $100k | — |
| 60 months | — | 0.45% | — | 0.45% | $227 |
| 60 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | — | 0.46% | —0.46% from $100k | — |
Sources (1)
- exchangebank.com/personal/savings · captured Oct 6, 2026
Flex CD
2.52%APY · 1 term
New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies. Tier for $99,999 or less is for renewals only.
| Term | APY · Up to $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 15 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | — | 2.53% | —2.53% from $100k | — |
| 15 monthsRenewals only. Early withdrawal penalty applies | 2.52% | — | 2.52% | $316 |
Sources (1)
- exchangebank.com/personal/savings · captured Oct 16, 2026
Special-purpose accounts
Fixed Rate IRA
Up to 3.82%APY · 5 terms
Fixed Rate IRA. Minimum balance to open is $250 for terms of 23 months or less, and $1,000 for terms of 24 months or more. New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsEarly withdrawal penalty applies | 3.56% | $176 |
| 12–23 monthsEarly withdrawal penalty applies | 3.82% | $382 |
| 24–35 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | 1.01% | $203 |
| 36–47 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | 1.01% | $306 |
| 48–60 monthsEarly withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval | 1.01% | $410 |
Sources (1)
- exchangebank.com/personal/savings · captured Oct 6, 2026
Variable Rate IRA
3.04%APY · 1 term
Variable Rate IRA. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–18 monthsVariable rate. Early withdrawal penalty applies | 3.04% | $304 |
Sources (1)
- exchangebank.com/personal/savings · captured Oct 16, 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.