California Bank & Trust CD Rates — October 2026
As of October 22, 2026, California Bank & Trust's highest tracked CD rate is 4.00% APY on a 9-month CD ($1,000 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.05% to 4.00% APY.
Tracking began .
California Bank & Trust CD rates
California Bank & Trust is a division of Zions Bancorporation, N.A. Standard CDs from 7 days to 60 months for balances from $1,000 up to $99,999. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 days | Standard Certificate of Deposit | $1,000 | 0.05% | −4.08% | Verified October 22, 2026 |
| 1 month | Standard Certificate of Deposit | $1,000 | 0.05% | −4.08% | Verified October 22, 2026 |
| 3 months | Standard Certificate of Deposit | $1,000 | 0.70% | −3.59% | Verified October 22, 2026 |
| 6 months | Standard Certificate of Deposit | $1,000 | 3.75% | −0.65% | Verified October 22, 2026 |
| 9 months | Standard Certificate of Deposit | $1,000 | 4.00% | −0.48% | Verified October 22, 2026 |
| 12 months | Standard Certificate of Deposit | $1,000 | 0.55% | −4.02% | Verified October 22, 2026 |
| 18 months | Standard Certificate of Deposit | $1,000 | 0.60% | −4.12% | Verified October 22, 2026 |
| 24 months | Standard Certificate of Deposit | $1,000 | 0.60% | −4.27% | Verified October 22, 2026 |
| 36 months | Standard Certificate of Deposit | $1,000 | 0.60% | −4.35% | Verified October 22, 2026 |
| 48 months | Standard Certificate of Deposit | $1,000 | 0.60% | −4.38% | Verified October 22, 2026 |
| 60 months | Standard Certificate of Deposit | $1,000 | 0.60% | −4.41% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are California Bank & Trust's best CD rates by term?
California Bank & Trust's best rate is 4.00% APY on 9 months, verified October 22, 2026.
- 7 days0.05%
- 1 mo0.05%
- 3 mo0.70%
- 6 mo3.75%
- 9 mo4.00%
- 12 mo0.55%
- 18 mo0.60%
- 24 mo0.60%
- 36 mo0.60%
- 48 mo0.60%
- 60 mo0.60%
How much interest could a California Bank & Trust CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$298.80 interest · $10,298.80 at maturity on $10,000.00.
4.00% APY · 9 months · Standard Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | $0.050.05% APY · Standard Certificate of Deposit · Standard | $0.100.05% APY · Standard Certificate of Deposit · Standard | $0.240.05% APY · Standard Certificate of Deposit · Standard | $0.480.05% APY · Standard Certificate of Deposit · Standard |
| 1 month | $0.210.05% APY · Standard Certificate of Deposit · Standard | $0.410.05% APY · Standard Certificate of Deposit · Standard | $1.030.05% APY · Standard Certificate of Deposit · Standard | $2.050.05% APY · Standard Certificate of Deposit · Standard |
| 3 months | $8.700.70% APY · Standard Certificate of Deposit · Standard | $17.410.70% APY · Standard Certificate of Deposit · Standard | $43.520.70% APY · Standard Certificate of Deposit · Standard | $87.030.70% APY · Standard Certificate of Deposit · Standard |
| 6 months | $93.143.75% APY · Standard Certificate of Deposit · Standard | $186.293.75% APY · Standard Certificate of Deposit · Standard | $465.723.75% APY · Standard Certificate of Deposit · Standard | $931.443.75% APY · Standard Certificate of Deposit · Standard |
| 9 months | $149.404.00% APY · Standard Certificate of Deposit · Standard | $298.804.00% APY · Standard Certificate of Deposit · Standard | $747.004.00% APY · Standard Certificate of Deposit · Standard | $1,494.014.00% APY · Standard Certificate of Deposit · Standard |
| 12 months | $27.500.55% APY · Standard Certificate of Deposit · Standard | $55.000.55% APY · Standard Certificate of Deposit · Standard | $137.500.55% APY · Standard Certificate of Deposit · Standard | $275.000.55% APY · Standard Certificate of Deposit · Standard |
| 18 months | $45.110.60% APY · Standard Certificate of Deposit · Standard | $90.220.60% APY · Standard Certificate of Deposit · Standard | $225.540.60% APY · Standard Certificate of Deposit · Standard | $451.090.60% APY · Standard Certificate of Deposit · Standard |
| 24 months | $60.180.60% APY · Standard Certificate of Deposit · Standard | $120.360.60% APY · Standard Certificate of Deposit · Standard | $300.900.60% APY · Standard Certificate of Deposit · Standard | $601.800.60% APY · Standard Certificate of Deposit · Standard |
| 36 months | $90.540.60% APY · Standard Certificate of Deposit · Standard | $181.080.60% APY · Standard Certificate of Deposit · Standard | $452.710.60% APY · Standard Certificate of Deposit · Standard | $905.410.60% APY · Standard Certificate of Deposit · Standard |
| 48 months | $121.080.60% APY · Standard Certificate of Deposit · Standard | $242.170.60% APY · Standard Certificate of Deposit · Standard | $605.420.60% APY · Standard Certificate of Deposit · Standard | $1,210.840.60% APY · Standard Certificate of Deposit · Standard |
| 60 months | $151.810.60% APY · Standard Certificate of Deposit · Standard | $303.620.60% APY · Standard Certificate of Deposit · Standard | $759.050.60% APY · Standard Certificate of Deposit · Standard | $1,518.110.60% APY · Standard Certificate of Deposit · Standard |
How California Bank & Trust compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 29 of 167 tracked institutions with fresh 274-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| California Bank & Trust (this institution)Standard Certificate of Deposit · Standard | 9 months | $1,000 | Branches in CA | 4.00% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 9 months | $1,500 | Available nationwide | 4.40% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking California Bank & Trust on October 22, 2026.
About California Bank & Trust
- Legal name
- Zions Bancorporation, N.A.
- Regulator ID
- FDIC 2270
- Headquarters
- San Diego, CA
- Available in
- CA
- Total assets
- $89.0 billion
- Also known as
- CB&T, California Bank and Trust
- Website
- www.calbanktrust.com
Source: rates read from https://www.calbanktrust.com/personal/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at California Bank & Trust?
Among the rates we track, 4.00% APY on a 9-month CD, as of October 22, 2026.
What is the minimum deposit for a California Bank & Trust CD?
The lowest minimum we found is $1,000.
How does California Bank & Trust's best CD rate compare with Treasury yields?
4.00% APY is −0.48% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are California Bank & Trust CDs insured?
California Bank & Trust is an FDIC-insured bank (FDIC 2270). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check California Bank & Trust's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from California Bank & Trust's website and may change at any time. Confirm terms, minimums and eligibility with California Bank & Trust before opening an account. This page is not financial advice.