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Rates

  • CDs & IRAs

    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 ...item->getUrl() ?>

  • Savings Accounts

    Posted Rates and Annual Percentage Yields* (APY) are effective as of 08/01/2022. IRA SavingsWith an Individual Retirement Savings account, your money is always available for your use or park it while you search for another investment. You earn interest that compounds daily. IRA Savings APY* 0.40% 0.40% Personal SavingsWith a Personal Savings account, your funds can be parked temporarily but continue to earn interest that compounds daily. Personal Savings APY* 0.10% 0.10% These are variable rate accounts and the interest rates may change at any time at the discretion of the bank. $100.00 minimum deposit to open either account, but no minimum balance is required to earn the APY. Fees may reduce the earnings on either account type. See product pages for additional details.item->getUrl() ?>

  • Checking Accounts

    Earn interest with daily compounding with the convenience of regular checking. Some restrictions apply, visit our branch or see our Personal Checking or Business Checking pages for details.Posted Rates and Annual Percentage Yields are effective as of 12/20/16. Classic Checking APY* 0.10% 0.10% NOW Account APY* 0.10% 0.10% Minimum deposit to open a Classic Account is $100.00 and NOW Account is $200.00. No minimum balance is required to earn the APY. Fees may reduce the earnings on the account. *Annual Percentage Yielditem->getUrl() ?>