Burbank, California CD rates range from 0.05% to 5.90% APY, verified by MonitorBankRates as of October 13, 2026. Current Burbank, California CD rates include Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit Union2255 N Ontario St, Burbank, CA 91504A5.0 ★Texas Ratio: 12.30%Real return: +1.35%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.15% APY, City National BankCity National Bank3500 W Olive Ave Ste 100, Burbank, CA 91505A+5.0 ★Texas Ratio: 5.55%Real return: +1.31%APY minus CPI (February 2026) offering Special 12-Month Fixed Rate at 4.11% APY, First Entertainment Credit UnionFirst Entertainment Credit Union4000 Warner Blvd, Burbank, CA 91522 0001A+5.0 ★Texas Ratio: 4.47%Real return: +1.25%APY minus CPI (February 2026) offering 5 Year Retirement Certificates at 4.05% APY, Partners Federal Credit UnionPartners Federal Credit Union2411 W Olive Ave, Burbank, CA 91506 2629A+5.0 ★Texas Ratio: 4.65%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Jumbo Certificate at 4.00% APY, and Media City Credit UnionMedia City Credit Union1020 W Olive Ave, Burbank, CA 91506 2212A+5.0 ★Texas Ratio: 2.55%Real return: +1.20%APY minus CPI (February 2026) offering 60 MONTH CERTIFICATE at 4.00% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Burbank has 256 local institutions in our database, with CD rates as high as 4.15% APY from Farmers Insurance Federal Credit Union at 2255 N Ontario St, Burbank, CA 91504. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
No minimum deposit.
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Certificate for Emergency Savings; Minimum to open & earn dividends: $100; Maximum Certificate balance: $10,000; Limit one Emergency Fund Certificate per Member
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
IRA Certificate
IRA Certificate
Balance: $90,000 +
Balance: $90,000 +
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Balance: $0 - $4,999.99; Relationship APY 0.06%
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Balance: $1,000 - $90,000
Balance: $1,000 +
Balance: $1,000
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Term: 3 Months with Epic Premium Checking; Epic Premium Checking relationship rate
Minimum to open $1,000.00
Balance: $2,000.00 to $9,999.99
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Over $90,000
Balance: $10,000.00 and over; $100,000 per member maximum
Balance: $10,000 and over; $100,000 per member maximum
IRA Pick-A-Term Certificates; Limited time offer; dividend rates fixed for the term and not tiered; Disclaimers: AA, C, G, MM
Limited time offer; Dividend rates fixed for the term; Minimum opening deposit $10,000
Earn 3.55% APY on balances of $500 or more.
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
IRA Certificate
High Yield Certificates; Minimum balance of $1,000 to earn 3.50% APY, maintained for the full term
Rate Type: Fixed; Maximum Balance: Unlimited
IRA Certificate
Balance: $100,000 and over
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $50,000
Balance: $25,000 - $99,999.99
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $25,000
Minimum Deposit and Balance $10,000
Balance: $1,000 - $24,999.99
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $1,000
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Balance: $0 - $4,999.99; Relationship APY 0.06%
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Balance: $1,000
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Maximum opening deposit $500,000.00
Term: 6 Months with Epic Premium Checking; Epic Premium Checking relationship rate
Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account; All regular certificates can be opened as IRA certificates, unless otherwise noted
Minimum balance $500 and above; limited-time summer special
Promotional IRA Share Certificates; Promotional rate good for initial term only
Maximum Certificate balance: $2,500
IRA Certificate
IRA Certificate
$100k; Balance: $100k; rate comparison tool
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Rate Type: Fixed; Maximum Balance: Unlimited
Rate Type: Fixed; Maximum Balance: Unlimited
Minimum Deposit and Balance $50,000
Minimum Deposit and Balance $25,000
Balance: $100,000 and over
Minimum Deposit and Balance $10,000
Minimum Deposit and Balance $1,000
Balance: $25,000 - $99,999.99
Balance: $1,000 - $24,999.99
Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
You must maintain a minimum daily balance of $25 with a maximum of $10,000 in the account to obtain the Annual Percentage Yield and to avoid closure. You may make additional deposits of any amount at any time during the term of your certificate. You may take one (1) penalty-free withdrawal during the term of the certificate. If you exceed the withdrawal limitations, your account will be subject to a penalty. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned, and unearned dividends with a maximum of 180. Accounts will mature as reflected on the Share Certificate and Account Agreement.
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Balance: $0 - $4,999.99; Relationship APY 1.51%
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Balance: $1,000
Relationship Certificate(12 months)Terms Apply
Balance: $100.00 - $4,999.99; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Balance: $25,000; Rate effective October 1, 2026
Balance: $10,000; Rate effective October 1, 2026
Best rate on the page; the 12-Month Certificate rate shown includes a .50 bonus for active and engaged Loyalty+ members
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Minimum to open $1,000.00
Balance: $1,000; Rate effective October 1, 2026
Balance: $500 (maximum principal balance)
Minimum Deposit and Balance $1,000
Balance: $50,000 and over; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
Balance: $25,000 - $49,999.99; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
Balance: $1,000 - $24,999.99; You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
Balance: $1,000
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Balance: $100,000+; Jumbo
Senior
Or, 4.35% APY* with $100 min.
Regular
Balance: $100,000+; Jumbo
Rate Effective Date: October 12, 2026
Senior
Balance: $500
Term: 18 months with Epic Premium Checking; Epic Premium Checking relationship rate
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Minimum to open $1,000.00
CD Special; Balance: $100,000+
Min. to Earn APY: $1,000; Promotional 18-month certificate automatically renews into a standard, non-promotional 24-month certificate at maturity; Early withdrawal penalties may apply
Regular
Terms and Conditions
Variable Rate
CD Special; Balance: $50,000 - $99,999
Balance: $2,000.00 to $9,999.99
Balance: $200,000.00 +
Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)
Balance: $90,000.00 - $199,999.99
CD Special; Balance: $1,000 - $49,999
IRA Certificate
IRA Certificate
Rate Type: Fixed; Maximum Balance: Unlimited
Rate Type: Fixed; Maximum Balance: Unlimited
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Minimum Deposit and Balance $50,000
Minimum Deposit and Balance $25,000
Minimum Deposit and Balance $10,000
Minimum Deposit and Balance $1,000
Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
Balance: $1,000
Maximum opening deposit $500,000.00
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
New Money CDs
Exclusively for Premier clients.
Online CDs
Minimum balance to open and obtain APY is $1000.
Rate Effective Date: October 12, 2026
Balance: $100,000 and over
Term: 2 years with Epic Premium Checking; Epic Premium Checking relationship rate
Epic Premium account holders enjoy a .25% bonus on a new 2-year Term Share Certificate
Minimum to open $1,000.00
IRA Certificate
IRA Certificate
Rate Type: Fixed; Maximum Balance: Unlimited
Rate Type: Fixed; Maximum Balance: Unlimited
Minimum Deposit and Balance $50,000
Minimum Deposit and Balance $25,000
Minimum Deposit and Balance $10,000
Minimum Deposit and Balance $1,000
Balance: $100,000 and over
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Balance: $25,000 - $99,999.99
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Balance: $1,000 - $24,999.99
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Balance: $1,000
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate Effective Date: October 12, 2026
Compounded Daily; Early Withdrawal Penalty
Minimum to open $1,000.00
IRA Certificate
IRA Certificate
Minimum Deposit and Balance $50,000
Minimum Deposit and Balance $25,000
Minimum Deposit and Balance $10,000
Minimum Deposit and Balance $1,000
Rate Type: Fixed; Maximum Balance: Unlimited
Rate Type: Fixed; Maximum Balance: Unlimited
Balance: $1,000
Rate Effective Date: October 12, 2026
Minimum = $1,000; Jumbo certificates over $75,000.00 APY 4.49% (add .20%)
Minimum to open $1,000.00
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Balance: $100,000 and over
Effective date 09/1/2026; Early withdrawal penalty: 180 days
Over $90,000
Over $90,000
Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)
Balance: $100,000 and over
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Balance: $25,000 - $99,999.99
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $50,000
Minimum Deposit and Balance $25,000
Minimum Deposit and Balance $10,000
Balance: $1,000 - $24,999.99
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
IRA Certificate
Minimum Deposit and Balance $1,000
IRA Certificate
Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice. APY is Annual Percentage Yield.
Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal
Additional 0.10% for Jumbo Certificates $50,000 and more.
Certificate Accounts are subject to penalties for early withdrawal. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased.
Rate Type: Fixed; Maximum Balance: Unlimited
Rate Type: Fixed; Maximum Balance: Unlimited
Rate Type: Variable; Maximum Balance: Unlimited
Balance: $1,000
Balance: $90,000 +
Balance: $90,000 +
Balance: $1,000 - $90,000
Balance: $1,000 +
Compare local Burbank, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California 12-month CD rates rose 0.021 points over the past 7 days to 3.137% APY.
California 6-month CD rates fell 0.017 points over the past 7 days to 2.930% APY.
Where are California CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.373% | $118.66 | $237.32 | $593.30 | $1,186.60 |
| 6-Month CD | 2.930% | $146.50 | $292.99 | $732.48 | $1,464.95 |
| 12-Month CD | 3.137% | $156.85 | $313.69 | $784.23 | $1,568.45 |
| 18-Month CD | 3.101% | $155.05 | $310.10 | $775.25 | $1,550.50 |
| 24-Month CD | 2.983% | $149.17 | $298.33 | $745.82 | $1,491.65 |
| 36-Month CD | 3.012% | $150.58 | $301.17 | $752.93 | $1,505.85 |
| 48-Month CD | 3.016% | $150.77 | $301.55 | $753.88 | $1,507.75 |
| 60-Month CD | 3.217% | $160.85 | $321.70 | $804.25 | $1,608.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.373% | $118.66 |
| 2 | 6-Month CD | $5,000 | 2.930% | $146.50 |
| 3 | 12-Month CD | $5,000 | 3.137% | $156.85 |
| 4 | 24-Month CD | $5,000 | 2.983% | $149.17 |
| 5 | 36-Month CD | $5,000 | 3.012% | $150.58 |
| Total ($25,000 invested) | $25,000 | 2.887% blended | $721.76/yr | |
Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 3,220 CD rates from 30 banks and 84 credit unions with locations in Burbank, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Farmers Insurance Federal Credit Union offers a CD at 4.15% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Burbank, California.
What to compare when shopping for a CD in Burbank, California
To find the best APYs in Burbank, California, start with credit unions and online-only banks: Burbank, California has 84 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
9.4% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 1.4% reflects a strong local economy. At today’s CA 12-month CD average of 3.137%, saving 10% of the local median salary ($6,877/year) and putting it in a CD would earn an additional $216 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Burbank, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Burbank, California as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Burbank, California savers easier access to their funds. For example, Farmers Insurance Federal Credit Union is offering its Limited Time 6 Month Share Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Farmers Insurance Federal Credit Union is offering its 60 Month Certificate of Deposit at 4.15% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Burbank, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Burbank, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Burbank, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Burbank, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
At today’s CA top rate of 4.15% APY, a $10,000 deposit earns $415 in the first year. Enter your amount to see your exact return.
Burbank, California CD LadderCA CD rates currently range from 2.373% (3-month) to 3.012% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Burbank, California CD at 4.15% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 3.137% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Burbank, California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Burbank, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Burbank, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.