Imperial Capital Bank (ICB) increased its CD rates. The most competitive is the 9-month CD with a 4.00% APY. Other competitive rates include a 3.65% APY 6-month CD and a 3.95% APY 12-month CD. Minimum deposit is $2,000.

Accounts can be opened online or by mail. According to the online application, you can fund accounts by mailing a check, wire transfer or a transfer from another ICB account.

The early withdrawal penalty for the 9-month term is a little severe: 181 days of interest. The wire transfer fees are $12 for incoming and $25 for outgoing.