Home Care In Camarillo, CA

To determine which CDs are the best, we partnered with Curinos, which provided us with over 20,000 data points from financial institutions in California. We narrowed our list down to the CDs with the highest annual percentage yields (APYs) to make sure you have the most lucrative options.

All of these picks are FDIC or NCUA-insured, too, so you know your money is safe if there’s a bank failure.

Best CD rates in California overall

Compare rates from our partners

If you want to score extra cash on your savings but want to look beyond your home state, we’ve also gathered data from banks nationwide to determine the 10 best CD rates. These CDs offer some of the highest rates, regardless of where you’re located.

Best CD rates in California by term

We used Curinos data to figure out the best 6-month, 1-year, and 5-year CDs in California.

However, in order to be eligible for these rates, you may need to fulfill certain requirements–which you can find in the notes field in the below tables. Some of the notes fields are blank, but contact the institution for the most current details.

You don’t need to tie up your money for years to get a solid APY. Instead, you can opt for a 6-month CD–though you’ll typically get a higher interest rate by parting with your money for longer.

If you don’t want a CD that lasts years but have an investing horizon that’s greater than six months, a 1-year CD could be a good bet.

Plus, some CDs have low minimum opening deposit requirements, so you won’t need a lot of money to start investing.

Want a safe, lucrative account to store money for a housing down payment in a few years? A 5-year CD could be the way to go.

With a 5-year CD, you’ll have to give up your cash for a longer period, but you’ll usually get a higher return than you would with shorter-term CDs.

What is a certificate of deposit?

A CD is a deposit account where you place money for a fixed period in exchange for regular interest payments. You might tie up your money for a few days or years.

If you tap your money before the time period is up, you’ll be hit with early withdrawal penalties–typically worth a few months of interest.

APY refers to the annual percentage yield or the amount of interest you earn in a year.

There are many types of CDs, but you’ll most commonly find traditional, brokered, and no-penalty CDs.

How to choose the best CD in California

There are over 190 FDIC-regulated banks in California and 250 NCUA-regulated credit unions. Here’s how to choose the right one for your needs:

It looks like it’s time to add “fake unions” to the long list of problems facing California’s multibillion-dollar legal pot industry.

Some of the biggest legal cannabis companies in California appear to be violating state law by working with organizations that claim to be labor groups but are accused of not actually attempting to fight for workers’ rights.

California law requires any pot company with more than 20 employees to sign a labor peace agreement with a “bona fide” labor union. The law is intended to provide workers with easier access to labor organizations that can petition the company for better wages and working conditions.

However, at least three of the biggest pot companies in the state have been caught working with a “fake union” called Professional Technical Union Local 33, or Pro-Tech, according to MJBizDaily. Last month, the California Agricultural Labor Relations Board determined that Pro-Tech was “not a bona fide labor organization” because they made no discernible effort to organize or represent any employees in the cannabis industry and even failed to have a physical presence in California.

The board ultimately determined that Pro-Tech and the companies it contracted with had entered into a “sham relationship” in order to skirt the state law.

The list of companies working with Pro-Tech includes: Nabis, one of the biggest distribution companies in the state; Herbl, a major distributor that recently went out of business; and Glass House Brands, one of the biggest pot farming companies in the state, according to MJBizDaily.

The complaint against Pro-Tech was filed by the International Brotherhood of the Teamsters, a union that represents more than a million workers in North America. Peter Finn, a vice president at the Teamsters, told SFGATE in a phone interview that these sham unions hurt the rights of California’s cannabis industry workers.

“This is not just about a labor peace agreement, this is about a worker’s ability to form a union to improve their wages, benefits and working conditions,” Finn said. “These fake unions and employers that engage with them are undermining the law and the will of the people.”

Last month, the Teamsters filed a second complaint, alleging that a union called the National Agricultural Workers Union was also “not a bona fide labor organization.” According to the Teamsters, the National Agricultural Workers Union has agreements with Caliva, a cannabis company owned by The Parent Company since 2021, an SEC filing shows. Rapper Jay-Z is an investor in The Parent Company.

Anthony P. Raimondo, an attorney representing the National Agricultural Workers Union, said the Teamsters’ allegations were “flatly untrue” and described the group as a “startup union” with no paid staff that has slowly been working to organize workers.

“A lot of what happened with this organization became stalled during COVID because there were limited opportunities to organize and do face-to-face activity,” Raimondo said in a phone interview with SFGATE.

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Companies have 180 days to enter into a new labor peace agreement if they are found to be working with an entity that is not a bona fide labor organization, Department of Cannabis Control spokesperson David Hafner told SFGATE.

So far, most of the implicated companies are staying silent. Nabis declined to comment when reached by SFGATE, and both Caliva and The Parent Company did not return requests for comment.

A spokesperson for Glass House Brands said in an emailed statement to SFGATE that the company is working to find a replacement union to sign an agreement with. “We are in the process of complying with this change of status, and expect to make the adjustment within the time frame requested by the State,” the statement said.

Labor peace agreements are contracts between a company and a labor organization where the union agrees not to picket or boycott the business and the business agrees not to disrupt efforts by the union to organize workers and petition for better working conditions and pay. While they’re not specific to the cannabis industry, pot companies increasingly need to strike these deals as more states with legal weed mandate them thanks to heavy labor lobbying.

Beginning in July 2024, the requirement for a labor peace agreement will apply to all companies with 10 or more employees, down from 20.

Hafner said in an email to SFGATE that the California cannabis regulator does not actively investigate unions that enter into labor peace agreements with pot companies, instead relying on a “complaint-driven” system.

“DCC is actively working on efforts to increase transparency into licensees’ labor peace agreements, so that we can strengthen labor organizations’ and workers’ ability to file effective complaints,” Hafner said.

California has the largest number of legal cannabis industry workers in America, according to a 2022 report, with more than 83,000 people employed in the industry in 2021.

There are likely other cannabis companies that have signed agreements with Pro-Tech. An attorney for the organization told the state’s labor relations board that they had entered into 64 labor agreements with businesses in California’s cannabis industry.

More Cannabis Coverage

— Extremely rare pot discovered 50 years ago is finally available in California — The No. 1 restaurant in the world has a weed gummy for sale in California — 'F—CK 'EM': Meet the angriest weed CEO in California — The biggest pot company in California has collapsed — Full SFGATE cannabis coverage

Aug 28, 2023|Updated Aug 28, 2023 10:26 a.m.

Lester Black is SFGATE's contributing cannabis editor. He was born in Torrance, raised in Seattle, and has written for FiveThirtyEight.com, High Country News, The Guardian, The Albuquerque Journal, The Tennessean, and many other publications. He was previously the cannabis columnist for The Stranger.

Astronomy enthusiasts across the West Coast and Southwest are preparing for an annular solar eclipse that will likely be visible in the sky on Saturday.

An annular solar eclipse — not to be confused with an annual eclipse — occurs when Earth’s moon covers up most of the sun. If you’re in the right spot at the right time, you’ll see just a circle of light around the moon, also called a “ring of fire.” (An “annulus” in mathematics is the name for the space between two concentric circles.)

Saturday’s eclipse should be visible for around three hours, although that perfect ring-of-fire moment lasts for only about five minutes. You’ll need to be within 125 miles of the path of annularity. In the map below, you can see that path in orange, first appearing in Oregon before moving along the northeast tip of California, Nevada, Utah, New Mexico and Texas. No other U.S. states will get the full ring-of-fire effect, although places farther away can still expect to see a partial eclipse. Most of California will see a partial eclipse, assuming weather permits.

The eclipse should start to be visible on the Oregon coast around 8 a.m. Saturday. In short order, it will likely spread farther south toward California. If you want to check the time the eclipse begins where you are, there’s a map available here. For a more detailed Google map of the path of annularity, the Exploratorium recommends this interactive map.

If you want the best view of the ring of fire, you’ll need to drive up to Modoc County. Hotels and campsites are already pretty well booked, and the sparsely populated corner of Northern California is expecting a surge in tourists this weekend. Assuming you can’t make it up to Modoc County, there are livestreams available that you can watch. The Exploratorium is hosting several livestreams from different locations on its website.

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A strong storm is soaking the southwestern United States, bringing flooding that is inundating homes and forcing evacuations. Flood watches blanket Southern California and Arizona as the storm system shifts east, with snow likely in portions of the Four Corners area and the southern Rockies.

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More than half a foot of rain fell in Santa Barbara, Calif., swamping an off-ramp from U.S. Route 101 on Thursday. North Salsipuedes Street downtown was flooded with more than six inches of water, with additional runoff gushing out of storm drains that couldn’t keep up with the heavy rain. Nearby, a stretch of U.S. 101 was closed in San Luis Obispo County. Firefighters waded through knee-deep water to reach flooded residences, with a number of cars mostly submerged.

In some cases, the bursts of rain were “extreme,” according to the National Weather Service. In Santa Barbara, a full inch of rain fell between 8:50 and 9:50 a.m. Thursday, representing its fourth-wettest hour on record dating back to 1948. Interestingly, all 10 of the top 10 wettest hours on record have occurred this century, largely as a result of the increasingly warm and wet atmosphere of human-caused climate change.

The Oxnard civic center reported up to 3.18 inches of rain in a single hour Wednesday night, although that’s not an official Weather Service observation site.

Calendar-day rainfall records were set Thursday at Camarillo Airport, Santa Barbara Airport and the Oxnard National Weather Service office, which received 1.19, 2.60 and 2.78 inches of rain, respectively.

Four tornado warnings were also issued for Southern California as rotating thunderstorms and downpours moved ashore. The Weather Service is warning of more coastal thunderstorms and offshore waterspouts on Friday. Heavy thunder and lightning rolled through areas near Oxnard, with rumbling lasting for hours in some places.

One of the most impressive elements of this storm system has been the amount of rain in the lowlands. For more than 6 inches to fall in Santa Barbara — which is close to sea level — is rather remarkable. Ordinarily, it takes mountains to poke into and focus the moisture held higher in the atmosphere, boosting rainfall rates.

Here’s a roundup of some of the heaviest totals:

Spurring the widespread downpours is an upper-level low, or pocket of high-altitude cold air, low pressure and spin. That upper-level low is centered just offshore of the U.S.-Mexico border west of San Diego and Tijuana, Mexico. It is gradually churning east and will pass over Arizona on Friday night.

The counterclockwise-spinning low is north of a tongue of rich tropical moisture from the equatorial regions. That’s working into the desert and fueling widespread downpours and a few thunderstorms. Even Phoenix could see up to an inch and a half of rain.

The rain will head into Arizona, spreading over much of the southern half of the Copper State. That could make for dicey travel on Interstates 8, 10 and 17.

By Friday evening, the first wave of downpours will shift east into New Mexico as another batch works into western Arizona. This second batch will be beneath the core of the upper-level low, where chilly temperatures aloft allow surface air to rise and make thunderstorms.

There’s even a marginal (Level 1 out of 5) risk of severe weather associated with any thunderstorms. While the tornado risk is negligible, a few cells in southern Arizona from Yuma to Tucson could produce gusty to locally damaging winds and/or small hail.

As the moisture and storm system shift east into the high terrain of eastern Arizona, 3 to 7 inches of snow are possible above 8,000 feet, with as much as 2 feet above 10,000 feet.

Into the weekend, the upper-level low will pivot northeast, merging with a similar disturbance over the central Rockies. That will bring some mountain snow to Colorado, the Four Corners and portions of the central and northern Plains by Sunday.

Farther south, additional rain and thunderstorms, including a few strong-to-severe storms, are possible over West Texas and the southern High Plains.

During Saturday’s solar eclipse, only those present within a narrow strip of the country will be able to see the annularity, or ring of fire, when the moon sits almost perfectly centered on the sun with only a circle of light visible around it.

In California, the viewing area for the ring of fire includes only a tiny northeastern corner of the state near the Oregon and Nevada borders.

The portion includes rural Modoc County, where eclipse fever has stargazers booking rooms in the town of Alturas, population 2,715.

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As of Wednesday, 19 of the 32 rooms at the Hotel Niles were occupied — with all of the hotel’s rooms reserved for this weekend — said Dakota Turcotte, a hotel receptionist.

Reservations for the eclipse began flooding in last week, Turcotte said.

“It’s definitely the slower part of the year,” Turcotte said. “We’re absolutely ecstatic to have an influx of people that are passing through.”

“It’s going to be pretty busy,” said Terry Olson, manager of the Hacienda Hotel, whose 20 rooms are fully booked.

The town and nearby Modoc National Forest are getting into the spirit of the eclipse, with an entire day planned around it.

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The Rotary Club of Alturas will hold a pancake breakfast before the eclipse starts, and the Alturas Lions Club will host a post-eclipse barbecue.

Turcotte said that among those coming to town were “quite a few families.”

The times are so chaotic, Olson said, that people just want to experience something real. The event could help put things in perspective, he said: “We’re just a dot in the whole universe.”

Although people in Los Angeles won’t get to experience the full ring-of-fire effect, they will still see — weather permitting — the moon eclipse about 70% of the sun.

The eclipse will begin at 8:07 a.m., with the highest amount of sun coverage occurring at 9:24 a.m.

NASA warns those hoping to view the eclipse to do so safely and only through eyewear with ISO 12312-2 compliant filters, which can be purchased online at retailers such as Walmart.

Saturday’s event will be the last annular eclipse visible from the United States, except for Alaska, until June 2039.

A total solar eclipse, however, is due to be visible in the States in April 2024.