Rates updated · 71 banks tracked
State Bank of India California CD rates: 3.85% APY best term
State Bank of India California’s best tracked CD pays 3.85% across 6 terms — ranking in the lower half of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 4.83%. (Updated October 11, 2026.)
State Bank of India California CD rates by term
| Term | APY |
|---|---|
| 3 months | 3.75% |
| 6 months | 3.85%Best |
| 1 year | 3.85%Best |
| 2 years | 3.50% |
| 3 years | 3.00% |
| 5 years | 3.00% |
Is State Bank of India California a good CD rate? Not really. At 3.85% its best CD trails the 4.83% best available tracked rate, leaving about $246 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 3.85%, $25,000 earns $963/yr here versus $1,208/yr at the field leader — a $246/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Frequently asked questions
What is State Bank of India California's best CD rate?▾
State Bank of India California's best tracked CD rate is 3.85% APY as of October 11, 2026, across 6 terms SwitchWize tracks for this bank.
Is State Bank of India California's CD rate good?▾
State Bank of India California's best CD rate ranks in the lower half of tracked banks. The best available tracked rate is 4.83% and the FDIC national savings average is 0.37%.
Which banks pay more than State Bank of India California on CDs?▾
Higher-paying tracked options include bank5 connect, capital one, cit bank. Compare rates at /cds to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.