# California Bank & Trust CD rates

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.

Canonical page: https://apyledger.com/cd-rates/california-bank-and-trust
Institution: Zions Bancorporation, N.A. (FDIC 2270)
Aliases: CB&T, California Bank and Trust
Status: live
Last verified: 2026-10-23T03:50:03.000Z (October 22, 2026)
Official source: https://www.calbanktrust.com/personal/deposit-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Standard Certificate of Deposit | standard | 7 days | $1,000 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 1 month | $1,000 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 3 months | $1,000 | 0.70% | Not ZIP-priced | −3.59% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 6 months | $1,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 9 months | $1,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 12 months | $1,000 | 0.55% | Not ZIP-priced | −4.02% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 18 months | $1,000 | 0.60% | Not ZIP-priced | −4.12% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 24 months | $1,000 | 0.60% | Not ZIP-priced | −4.27% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 36 months | $1,000 | 0.60% | Not ZIP-priced | −4.35% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 48 months | $1,000 | 0.60% | Not ZIP-priced | −4.38% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |
| Standard Certificate of Deposit | standard | 60 months | $1,000 | 0.60% | Not ZIP-priced | −4.41% | 2026-10-23T03:50:03.000Z | [Snapshot 975](https://apyledger.com/snapshots/975) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.