Banking Rates & News

Santa Barbara Area

Including Santa Barbara, Santa Maria, San Luis Obispo, Goleta, Paso Robles, Arroyo Grande, Atascadero, Lompoc, Solvang, Morro Bay, and 14 other towns.

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Banking in the Santa Barbara Area

The cities of Santa Barbara, Santa Maria, and San Luis Obispo lie under the back drop of the Santa Ynez Mountains on the central California Coast. People living in this area enjoy upscale boutique shopping and restaurants serving seasonal fare and local wines, along with botanical gardens and zoos that showcase the area’s natural foliage and wildlife. This area has a rich Spanish colonial heritage as well as a history of notable financial institutions. The Santa Barbara Teachers Federal Credit Union first started serving those living here in 1937 and is still open today. Since then the banking industry has grown in this region. Eight banks and five credit unions are headquartered in the area of Santa Barbara, Santa Maria, and San Luis Obispo.

Among the notable institutions found in this area of California one will discover well-known names such as Heritage Oaks Bank, Montecito Bank &Trust, Coast Hills Credit Union, Sesloc Federal Credit Union, and Community West Bank. These institutions, along with the other banks and credit unions of this region, offer services to residents at all stages of their lives. Individuals wanting to start out on the road to financial success can find student loans for schooling, first time home loans, and investment opportunities from many of these establishments. Families enjoy the convenience of approximately 250 branches from nearly 30 banks and 10 credit unions, offering daily needs such as savings and checking accounts, and retirees can make the most of the retirement accounts they’ve contributed to.

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Local Deals & News

First Republic Bank Adds 28-Month CD Special
Deal Summary: 28-month CD Special, 1.70% APY, $10k min/$1m max. Availability: Market area includes California, Connecticut, Florida, Massachusetts, New York, and Oregon Over the past few years, First Republic Bank
1.70% 28-Month CD Special at First Republic Bank
$10,000 minimum balance APYs are in effect as of 5/8/2017 CDs are subject to substantial penalty for early withdrawal. Appears to be available in all of the bank's regions: https://www.firstrepublic.com/current-deposit-rates
Wells Fargo Long Term 3.00% Callable Step-Up CD Via TD Ameritrade
I frequently get notices of new issue callable CDs from TD Ameritrade. This one looks like a rate leader. My calculations indicate the blended rate over the entire term is
Golden 1 Credit Union Special 26-Month Certificate
Earn 1.60% APY Certificates opened with funds not currently on deposit Certificates opened through Online Banking, (including funds currently on deposit) IRA Certificates Earn 1.35% APY Certificates opened with funds
Wells Fargo Offers Easy $250 Checking Bonus
UPDATE 3/18/2017: Offer extended through April 1, 2017. The fine print on the promotion page now reads, "This is an exclusive, nontransferable offer. This is only available to Wells Fargo
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