Safe and proven ways to help your money grow.

Using your financial assets intelligently is essential for business growth. Consider business certificates of deposit from Montecito Bank & Trust: we offer you a high degree of risk-free flexibility, as your cash flow and cash reserves earn a steady rate of return. Let us put over 30 years of experience to work for you developing strategies that support both your short and long-term business goals.

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Certificates of Deposit

Certainty and security.

  • Flexible terms
  • Fixed term and guaranteed interest rate throughout your term when you maintain at least a $1,000 balance
  • Competitive interest rates
  • Public Funds and Pledged CDs available
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YouChoose CDSM

Greater control and improved earning potential.

  • At one time during your 21-month term, you may choose to reset the interest rate to the prevailing YouChoose rate for the rest of your term
  • Higher earning power than a savings account
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Access CD

Flexibility and security.

  • Unlimited deposits and one penalty-free withdrawal during your 7-month term1
  • Higher earning power than a savings account
  • More flexible than a traditional CD
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1 Penalty for early withdrawal will be imposed if: 1) first withdrawal causes the balance to fall below $10,000, 2) more than one withdrawal is made during the term of the CD or 3) the withdrawal is made within the first six (6) days of the initial deposit (or last deposit) or within six (6) days of a partial withdrawal.


We also offer a SEP-IRA retirement plan specifically designed for self-employed people and small business owners.

Need more information? We welcome the opportunity to speak with you in person, so don’t hesitate to call us at (805) 963-7511, or just stop by one of our convenient branch locations.

Wealth Management Services offer other business investment options.

Proven financial strategies – one of the many Paths to prosperity® you'll find at Montecito Bank & Trust.