Bank · FDIC insured
Malaga Bank CD Rates
Malaga Bank’s best CD rate is 4.50% APY on a 5-year CD. Terms run from 3 years to 5 years. Rates checked October 16, 2026.
How Malaga Bank’s CD rates compare
Compared with banks and credit unions in California, where Malaga Bank has the most branches. $10,000, best rate first.
This bank’s best
Malaga Bank
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $25,000
- Earns on $10,000
- —
5 Year Online CD
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
5 Year Online CD
4.50%APY · 1 term
Must be 18 years or older and reside in California. Only for Individual and Joint Ownership accounts. Not available for trusts, businesses or other entities. Opened online.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsInterest is compounded daily and credited quarterly. Penalty for early withdrawal. $25,000 minimum balance required to obtain the 4.50% APY. At maturity, the account automatically renews into a one-year term at the then-current posted APY with a 7-day grace period | 4.50% | — |
Sources (1)
- malagabank.com/online-cd-accounts · captured Sep 25, 2026
3 Year Online CD
4.25%APY · 1 term
Must be 18 years or older and reside in California. Only for Individual and Joint Ownership accounts. Not available for trusts, businesses or other entities. Opened online.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsInterest is compounded daily and credited quarterly. Penalty for early withdrawal. $25,000 minimum balance required to obtain the 4.25% APY. At maturity, the account automatically renews into a one-year term at the then-current posted APY with a 7-day grace period | 4.25% | — |
Sources (1)
- malagabank.com/online-cd-accounts · captured Sep 25, 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.