Tri Counties Bank CD Rates — October 2026
As of October 22, 2026, Tri Counties Bank's highest tracked CD rate is 3.70% APY on an 11-month promotional CD ($100,000 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Tri Counties Bank CD rates
Trico Advantage promotional CDs only: 7- and 11-month terms with $1,000, $25,000 and $100,000 balance tiers. Contact the bank for branch availability and other CD terms.
| Term | Product | APY |
|---|---|---|
| 7 months | 7-Month Trico Advantage CD Promotional | 3.60%Verified October 22, 2026 |
| 7 months | 7-Month Trico Advantage CD Promotional | 3.40%Verified October 22, 2026 |
| 7 months | 7-Month Trico Advantage CD Promotional | 3.20%Verified October 22, 2026 |
| 11 months | 11-Month Trico Advantage CD Promotional | 3.70%Verified October 22, 2026 |
| 11 months | 11-Month Trico Advantage CD Promotional | 3.50%Verified October 22, 2026 |
| 11 months | 11-Month Trico Advantage CD Promotional | 3.30%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 Tri Counties Bank's best CD rates by term?
Tri Counties Bank's best rate is 3.70% APY on 11 months, verified October 22, 2026.
- 7 mo3.60%
- 11 mo3.70%
How much interest could a Tri Counties Bank 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.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 11 months | $151.243.30% APY · 11-Month Trico Advantage CD · Promotional | $302.473.30% APY · 11-Month Trico Advantage CD · Promotional | $801.943.50% APY · 11-Month Trico Advantage CD · Promotional | $1,603.883.50% APY · 11-Month Trico Advantage CD · Promotional |
How Tri Counties Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 15 of 20 tracked institutions with fresh 335-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Tri Counties Bank (this institution)11-Month Trico Advantage CD · Promotional | 11 months | $100,000 | Coverage: CA | 3.70% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Coverage: CA, UT | 4.65% | October 22, 2026 |
| Capital One360 CD · Promotional | 11 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Wells FargoSpecial Fixed Rate CD · Relationship | 11 months | $5,000 | San Francisco, CA · ZIP 94105 | 4.25% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Tri Counties Bank on October 22, 2026.
About Tri Counties Bank
- Legal name
- Tri Counties Bank
- Regulator ID
- FDIC 21943
- Headquarters
- Chico, CA
- Available in
- CA
- Total assets
- $9.9 billion
- Also known as
- Website
- www.tcbk.com
Source: rates read from https://www.tcbk.com/personal/accounts/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Tri Counties Bank?
Among the rates we track, 3.70% APY on an 11-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Tri Counties Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does Tri Counties Bank's best CD rate compare with Treasury yields?
3.70% APY is −0.84% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.70% a good CD rate?
It is 2.1 times the FDIC national average for a similar term (1.76% 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 Tri Counties Bank CDs insured?
Tri Counties Bank is an FDIC-insured bank (FDIC 21943). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Tri Counties Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Tri Counties Bank's website and may change at any time. Confirm terms, minimums and eligibility with Tri Counties Bank before opening an account. This page is not financial advice.