CERTIFICATES OF DEPOSIT AND INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)
A wide variety of Certificates of Deposit are available in both Business CD and Personal CD types however, Individual Retirement Accounts are only available to individuals.
To determine interest rates on Certificates of Deposit from sources outside California, contact Dave Kinross or Dennis Woods at 1-888-683-6030.
Posted Rates and Annual Percentage Yields (APY) are effective as of 11/08/2024.
| Term in months | Under $100,000 | APY* | $100,000 & over | APY* | |
|---|---|---|---|---|---|
| 30 days | 0.62% | 0.62% | 0.72% | 0.72% | |
| 90 days | 0.62% | 0.62% | 0.72% | 0.72% | |
| 180 days | 0.62% | 0.62% | 0.72% | 0.72% | |
| 270 days | 0.70% | 0.70% | 0.80% | 0.80% | |
| 1 year | 0.70% | 0.70% | 0.80% | 0.80% | |
| 18 months | 0.75% | 0.75% | 0.85% | 0.85% | |
| 2 years | 0.75% | 0.75% | 0.85% | 0.85% | |
| 3 years | 0.80% | 0.80% | 0.90% | 0.90% | |
| 4 years | 0.90% | 0.90% | 1.00% | 1.01% | |
| 5 years | 1.10% | 1.11% | 1.25% | 1.26% |
CDs require a minimum of $1,000.00 to open and earn the APY. CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal.
| Term | 4 weeks | 13 weeks | 26 weeks | 52 weeks | 2 years | 3 years | 5 years |
|---|---|---|---|---|---|---|---|
| CDARS | 0.15% | 0.15% | 0.18% | 0.23% | 0.38% | 0.48% | 0.68% |
| APY* | 0.15% | 0.15% | 0.18% | 0.23% | 0.38% | 0.48% | 0.68% |
CDARS = Certificate of Deposit Registry Service - We place your funds with FDIC insured institutions, acting as your broker. We provide you with monthly statements for all CDARS deposits and all of your CDARS deposits are insured by FDIC. A convenient, very safe and simple CD investment program. CDARS requires a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal.
| Term | Under $100,000 | APY* | $100,000 & over | APY* |
|---|---|---|---|---|
| Variable Rate CD |
4.00% |
4.08% |
4.00% |
4.08% |
This is a variable rate account set at Wall Street Journal Prime (WSJP) less 3.75%. The interest will change with WSJP rate, but will never drop below the established floor rate of .25% during its 2 year term. Variable Rate CDs require a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal.
*Annual Percentage Yield