Competitive 4-Year CD Rate at Coronado First Bank in San Diego - Local Only


Coronado First Bank is offering a very competitive 4-year CD and IRA CD rate of 1.92% APY. Minimum deposit is $1,000. The Jumbo 4-year CD actually has a lower rate. This 4-year CD rate is listed in the bank's deposit rates page as of 5/10/2012. I don't see any online disclosure. At the bottom of this rates page, it states to "contact bank for complete account information and disclosures."

The bank has two branches in Coronado and San Diego. It appears a branch visit is required to open an account. The bank used have the name Embarcadero Bank. In November 2011 it acquired Coronado First Bank, and it also changed its name.

The bank has an overall health score at of 5 stars (out of 5) with a Texas ratio of 4.61% (excellent) based on December 2011 data. Please refer to our financial overview of Coronado First Bank for more details. The bank has been a FDIC member since 2006 (FDIC Certificate # 58291).

How This 4-Year CD Rate Compares

The highest 4-year CD rate that's nationally available is 1.96% APY at Melrose Credit Union. The highest 4-year CD rate at a bank is 1.60% APY at Nationwide Bank. If you're concerned with being left behind by rising rates, Ally Bank has a 4-year Raise Your Rate CD with a 1.45% APY. This allows 2 rate bumps during the term. These rates are accurate as of 5/10/2012.

Searching for Top CD Rates

To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of

Competitive 18-Month CD Rate at Embarcadero Bank in San Diego - Local Only

Embarcadero Bank has two good deals on its mid-term CDs. The best one is a 1.34% APY 18-month CD. The 2-year CD is also fairly competitive with a 1.42% APY. Minimum deposit is $2,500. Lower rates apply to balances over $100,000. These rates are listed in the bank's rates page as of 9/21/2011.

It appears that a branch visit is required to open accounts. Embarcadero Bank is a small bank with one branch located at 110 West A Street (Suite 1000) in San Diego, California.

The bank has an overall health score...

Continue Reading