Bank · FDIC insured
Summit State Bank CD Rates
Summit State Bank’s best CD rate is 3.27% APY on a 3-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Summit State Bank’s CD rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Summit State Bank has the most branches. $10,000, best rate first.
This bank’s best
Summit State Bank
3.27%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $81
Certificate of Deposit
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
Summit State Bank CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo3.27%
- 9–15 months9–15 mo3.17%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.27%
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 Summit State 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.
Certificate of Deposit
Up to 3.27%APY · 10 terms
Effective 2026-04-17. Early withdrawal penalties dependent on term. Tiered rates. Automatic renewals.
| Term | APY · $1,000 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 month30 Day term. Tier 1 ($1,000-$9,999.99) | 0.10% | — | —0.10% $1k–$10k | — |
| 1 month30 Day term. Tier 2 ($10,000 and above) | — | 0.10% | 0.10% | $1 |
| 3 months90 Day term. Tier 1 ($1,000-$9,999.99) | 0.10% | — | —0.10% $1k–$10k | — |
| 3 months90 Day term. Tier 2 ($10,000 and above) | — | 3.27% | 3.27% | $81 |
| 6 months6 Month term. Tier 1 ($1,000-$9,999.99) | 0.15% | — | —0.15% $1k–$10k | — |
| 6 months6 Month term. Tier 2 ($10,000 and above) | — | 3.22% | 3.22% | $160 |
| 9 months9 Month term. Tier 1 ($1,000-$9,999.99) | 0.15% | — | —0.15% $1k–$10k | — |
| 9 months9 Month term. Tier 2 ($10,000 and above) | — | 3.17% | 3.17% | $237 |
| 12 months1 Year term. Tier 1 ($1,000-$9,999.99) | 0.15% | — | —0.15% $1k–$10k | — |
| 12 months1 Year term. Tier 2 ($10,000 and above) | — | 3.07% | 3.07% | $307 |
| 18 months18 Month term. Tier 1 ($1,000-$9,999.99) | 0.20% | — | —0.20% $1k–$10k | — |
| 18 months18 Month term. Tier 2 ($10,000 and above) | — | 3.00% | 3.00% | $453 |
| 24 months2 Year term. Tier 1 ($1,000-$9,999.99) | 0.20% | — | —0.20% $1k–$10k | — |
| 24 months2 Year term. Tier 2 ($10,000 and above) | — | 2.50% | 2.50% | $506 |
| 36 months3 Year term. Tier 1 ($1,000-$9,999.99) | 0.20% | — | —0.20% $1k–$10k | — |
| 36 months3 Year term. Tier 2 ($10,000 and above) | — | 2.50% | 2.50% | $769 |
| 48 months4 Year term. Tier 1 ($1,000-$9,999.99) | 0.20% | — | —0.20% $1k–$10k | — |
| 48 months4 Year term. Tier 2 ($10,000 and above) | — | 2.50% | 2.50% | $1,038 |
| 60 months5 Year term. Tier 1 ($1,000-$9,999.99) | 0.20% | — | —0.20% $1k–$10k | — |
| 60 months5 Year term. Tier 2 ($10,000 and above) | — | 2.50% | 2.50% | $1,314 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.72%APY · 3 terms
IRA terms available for 6-months to 2-years; automatic renewals; 7 calendar day grace period; early withdrawal penalties dependent on term; $15.00 Annual Custodial Fees; $5.00 Distribution Fee (59 ½); $20.00 Transfer Fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month term | 2.72% | $135 |
| 12 months1 Year term | 2.57% | $257 |
| 24 months24 Month term | 2.00% | $404 |
Sources (2)
All captured Sep 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.