Safe. Dependable. Proven.

Certificates of Deposit are one of the most reliable investment tools available. CDs deliver a competitive rate of interest that won't change with market fluctuations – plus the peace of mind that comes with FDIC insurance. For current rate information on Certificates of Deposit, call us at (805) 963-7511.

Calculate the insurance coverage for all of your deposit accounts with the FDIC's Electronic Deposit Insurance Estimator (EDIE).

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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
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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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CDARS® *

Expand your options and maximize your return.

  • Qualify for additional FDIC insurance for all your CD needs
  • Earns interest
  • Time account with penalty rules for early withdrawal
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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.

* CDARS® and Certificate of Deposit Account Registry Service® are service marks of Promontory Interfinancial Network, LLC.


Need more information? Call us today at (805) 963-7511, or just stop by one of our convenient branch locations.