Bank · FDIC insured
Home Bank of California CD Rates
Top CarrotHome Bank of California’s best CD rate is 4.35% APY on a 2-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Home Bank of California’s CD rates compare
Compared with banks and credit unions near San Diego, CA, where Home Bank of California has the most branches. $10,000, best rate first.
This bank’s best
Home Bank of California
4.35%APY
- Term
- 24–35 months
- Minimum
- $10,000
- Earns on $10,000
- —
Certificates of Deposit
Top rate
California Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $488
2nd-highest rate
San Diego Firefighters Federal Credit Union
4.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $445
Home Bank of California CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.72%
- 9–15 months9–15 mo3.77%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
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 Home Bank of California 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.
Certificates of Deposit
Up to 4.35%APY · 10 terms
No service charges. Interest compounded daily and paid monthly. Substantial penalty for early withdrawal. Express Personal Banking online account opening available for select CDs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–2 monthsQualifies for opening a Companion Savings Account | 1.31% | $11 |
| 3–5 months | 3.20% | $79 |
| 3–5 monthsQualifies for opening a Companion Savings Account | 3.72% | $92 |
| 6–8 months | 3.15% | $156 |
| 6–8 monthsQualifies for opening a Companion Savings Account | 3.67% | $182 |
| 9–11 months | 3.15% | $235 |
| 9–11 monthsQualifies for opening a Companion Savings Account | 3.67% | $274 |
| 12–17 months | 3.26% | $326 |
| 12–17 monthsQualifies for opening a Companion Savings Account | 3.77% | $377 |
| 18–23 months | 3.36% | $508 |
| 18–23 monthsQualifies for opening a Companion Savings Account | 3.88% | $588 |
| 24–35 months | 3.83% | $781 |
| 24–35 monthsQualifies for opening a Companion Savings Account | 4.35% | $889 |
| 36–47 months | 3.83% | $1,194 |
| 36–47 monthsQualifies for opening a Companion Savings Account | 4.35% | $1,363 |
| 48–59 months | 3.83% | $1,622 |
| 48–59 monthsQualifies for opening a Companion Savings Account | 4.35% | $1,857 |
| 60 months | 3.83% | $2,067 |
| 60 monthsQualifies for opening a Companion Savings Account | 4.35% | $2,373 |
Special-purpose accounts
Individual Retirement Accounts (IRA's)
Up to 4.35%APY · 5 terms
Offers terms from 18-month to 60-month. Interest compounded daily and paid monthly. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18–23 months | 3.88% | $588 |
| 24–35 months | 4.35% | $889 |
| 36–47 months | 4.35% | $1,363 |
| 48–59 months | 4.35% | $1,857 |
| 60 months | 4.35% | $2,373 |
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.