5.45% 9-Month CD at a California Bank

Vineyard Bank advertised in yesterday's LA Times a 5.45% APY 9-month certificate of deposit. It requires a $25K minimum deposit and a new checking or a Super Now account (minimum balance of $5K). Without related accounts the APY is 5.20%. Offer is only for California residents and requires money new to the bank. Credit for this find goes to Carol who mentioned it in the finding deals post. Thanks!

This 5.45% special isn't listed at the bank's website. However, the interest rates page (pdf) does show the 5.20% 9-month CD. In addition to the 5.20% 9-month CD there's also a 4.85% 4-month CD. Both have a minimum of $1K and a maximum limit of $95K. The maximum limit can be extended to $5M if a checking, savings or money market is opened. I first reported on this 5.20% CD on March 20th.

This bank has branches in several cities in Southern California including San Diego, Manhattan Beach, Irwindale, Irvine, and Chino.