Competitive Long-Term CD Rates at Redding Bank of Commerce in Northern California - Local Only


Redding Bank of Commerce is offering some competitive 3-year CD rates. They include a 2.27% APY for a $100K minimum and 2.17% APY for a $10K minimum (2.12% in Roseville). There's also a special 3-year Add-On CD special with a 1.97% APY and a special 3-year Adjust-A-Rate CD special with a 2.07% APY. Both require a $2,500 minimum deposit. The Adjust-A-Rate CD appears to be a bump-up CD. I would consider the Add-On CD to be the most valuable even with the lower rate. These rates are listed in the bank's rate sheets as of 11/11/2010. Note, rates vary some between Redding and Roseville.

As a comparison to internet banks, the best 3-year CD rate is 2.25% APY at as of 11/11/2010.

There are also some good deals on savings and checking accounts. I reviewed these in a previous post.

It appears that a branch visit is required to open an account. The bank has branches in Northern California in the cities of Redding and Roseville.

The bank has an overall health score at of 3 out of 5 with a Texas Ratio of 21.74% (above average) based on 6/30/2010 data. Please refer to our financial overview of Redding Bank of Commerce for more details. The bank has been a FDIC member since 1982 (FDIC Certificate # 24074).

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$100 Savings Account Bonus and High-Yield Checking at Redding Bank of Commerce in Northern California - Local Only

Redding Bank of Commerce is listing a $100 bonus for opening any new savings account with a minimum $100 deposit. This is listed in the bank's promotions page which is linked from the bank's home page as of 11/11/2010.

The small print of the promotion is hard to read. It appears to be easy to qualify for the bonus. You have to be a new customer, and you must deposit $100 which must remain on deposit at least 60 days. Bonus will be paid on the 61st business day of the...

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