Rates

CERTIFICATES OF DEPOSIT A wide variety of Certificates of Deposit are available. 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 11/8/2024. 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 of 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 the 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-yr term. Variable Rate CDs require a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). ...item->getUrl() ?>