Bank · FDIC insured
Montecito Bank & Trust CD Rates
Montecito Bank & Trust’s best CD rate is 3.00% APY on a 7-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Montecito Bank & Trust’s CD rates compare
Compared with banks and credit unions near Santa Maria, CA, where Montecito Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Montecito Bank & Trust
3.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $174
Access CD
Top rate
Kinecta
4.35%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $660
2nd-highest rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $321
Montecito Bank & Trust CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo0.15%
- 31–60 months31–60 mo0.25%
- QualifiedQualified3.00%
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 Montecito Bank & Trust 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.
Access CD
3.00%APY · 1 term
Allows unlimited deposits and one penalty-free withdrawal during the 7-month term as long as balance remains above $10,000. Penalty imposed if balance falls below $10,000, more than one withdrawal occurs, or withdrawal is within first 6 days of deposit/partial withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsTerm is 7 months. Unlimited deposits allowed without extending term; one penalty-free withdrawal during term as long as balance remains above $10,000 | 3.00% | $174 |
Sources (2)
- montecito.bank/personal/cds-and-ira/access-cd
- montecito.bank/documents/disclosure-deposit-rate-summary
All captured Oct 6, 2026
Certificates of Deposit
Up to 2.75%APY · 9 terms
Simple interest accrues daily and compounds daily. Customers can have interest paid weekly, bi-weekly, monthly, semi-annually, annually, or at maturity (if term is 1 year or less). Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 30 days. Penalty for early withdrawal | 0.05% | $0 |
| 3 monthsTerm is 90 days. Penalty for early withdrawal | 2.75% | $68 |
| 6 monthsTerm is 180 days. Penalty for early withdrawal | 2.60% | $129 |
| 12 monthsTerm is 12 months. Penalty for early withdrawal | 1.50% | $150 |
| 18 monthsTerm is 18 months. Penalty for early withdrawal | 0.15% | $23 |
| 24 monthsTerm is 24 months. Penalty for early withdrawal | 0.15% | $30 |
| 36 monthsTerm is 36 months. Penalty for early withdrawal | 0.15% | $45 |
| 48 monthsTerm is 48 months. Penalty for early withdrawal | 0.15% | $60 |
| 60 monthsTerm is 60 months. Penalty for early withdrawal | 0.25% | $126 |
You Choose CD
0.15%APY · 1 term
At one time during the 21-month term, you may choose to reset the interest rate to the prevailing You Choose CD rate for the rest of your term. Penalty for early withdrawal applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 21 monthsTerm is 21 months. One rate adjustment allowed during term to prevailing rate | 0.15% | $26 |
Sources (2)
- montecito.bank/personal/cds-and-ira/you-choose-cd
- montecito.bank/documents/disclosure-deposit-rate-summary
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates of Deposit
Up to 2.75%APY · 9 terms
Available as Traditional or Roth Individual Retirement Account (IRA) Certificates of Deposit. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm is 30 days. Penalty for early withdrawal | 0.05% | $0 |
| 3 monthsTerm is 90 days. Penalty for early withdrawal | 2.75% | $68 |
| 6 monthsTerm is 180 days. Penalty for early withdrawal | 2.60% | $129 |
| 12 monthsTerm is 12 months. Penalty for early withdrawal | 1.50% | $150 |
| 18 monthsTerm is 18 months. Penalty for early withdrawal | 0.15% | $23 |
| 24 monthsTerm is 24 months. Penalty for early withdrawal | 0.15% | $30 |
| 36 monthsTerm is 36 months. Penalty for early withdrawal | 0.15% | $45 |
| 48 monthsTerm is 48 months. Penalty for early withdrawal | 0.15% | $60 |
| 60 monthsTerm is 60 months. Penalty for early withdrawal | 0.25% | $126 |
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.