Community Bank of the Bay

https://www.bankcbb.com/individuals/accounts/#certificates Evidently, these are available nationwide. I opened an account there on-line last week from out of state - no problem. One CSR said that approximately 90% of the accounts they are opening are from out of state. Their rates have been about the best going for a couple weeks now. The best seem to be for $100k CDs, 48 month - 3.30%APY and 60 month - 3.56%APY. Under $100K are also competitive at 3.05% for 48 month and 3,30%for 60 month. 24 month are also competitive. CSRs are very cordial, professional, efficient, and helpful. Took a couple days longer than normal, as the CSR said they had no warning of these large rate increases, and are beyond swamped with CD applications right now. Funding can be by ACH or wire with no incoming charges. Beneficiaries are easy to add. This bank might be a good option for some.

Community Bank of the Bay (San Francisco Bay Area) has raised its CD tiered rates ($100k and $1k) to very competitive levels. Must be opened in-branch.