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5.50% 12-Month CD at a California Bank - with withdrawal feature (Vineyard)


Vineyard Bank is offering a promotional 5.50% APY Flex CD available in terms from 1 month to 1 year (see pdf rate page). The minimum deposit is $10,000, and the maximum is $95,000 per household. A maximum deposit of $5 million is available for those who also open a savings, checking or money market account. After the first 7 days, a one time withdraw of up to 50% of the original balance is allowed as long as a minimum $10K is maintained for the remaining term of the CD. The offer is only available to California residents.

Late spring must be a common time for Vineyard bank promotions. Last June they had a similar special.

Branches are located in several cities in Southern California including San Diego, Manhattan Beach, Irwindale, Irvine, and Covina. The bank has been FDIC insured since 1981 (FDIC certificate # 23498). It has a 4 out of 5 star safe & sound rating (sound) at as of 12/31/06 data.

Thanks to the reader who mentioned this special CD in the finding deals post.

  Tags: California, CD rates

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Comment #1 by Anonymous posted on
I just got my CD in a local branch in San Dimas. It's nice that you can choose from 1 month to 12 months term as you want. You can also add funds in anytime after the date of openning account, and it will title the same interest rate and maturity date.

Comment #2 by Banking Guy (anonymous) posted on
Banking Guy
Thanks for the info. I didn't know about that deposit feature. That's another nice perk for this CD.

Comment #3 by Anonymous posted on
i just contacted these folks and was told that i had to come in to a branch to open the account. as they don't have a branch near me this didn't make sense.