Pacific State Bank is offering a special 3.83% APY 10-month CD. The bank also has a competitve rate of 3.70% APY on terms from 12 to 60 months. The minimum deposit is $2,500.

They do require a branch visit to open accounts. Branches are located in the California cities of Stockton, Modesto, Arnold, Tracy, Groveland, Angels Camp and Lodi.

Pacific State Bank if FDIC insured.