CD & IRA

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 Deposits from sources outside California, contact Ken Donahue or Dennis Woods.

Term in months	$100,000 & over	APY*	under $100,000	APY*
30 days	0.50%	0.50%	0.30%	0.30%
90 days	0.60%	0.60%	0.40%	0.40%
180 days	0.75%	0.75%	0.55%	0.55%
270 days	0.90%	0.90%	0.70%	0.70%
1 year	1.05%	1.06%	0.85%	0.85%
18 months	1.20%	1.21%	1.00%	1.01%
2 years	1.45%	1.46%	1.25%	1.26%
3 years	1.85%	1.87%	1.65%	1.66%
4 years	2.00%	2.02%	1.80%	1.82%
5 years	2.10%	2.12%	2.00%	2.02%

Term	4 weeks	13 weeks	26 weeks		52 weeks		2 years		3 years			5 years
CDARS	0.38%	0.48%	0.63%		0.93%		1.33%		1.73%			1.98%
APY*	0.38%	0.48%	0.63%		0.93%		1.33%		1.74%			1.99%

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.

Floating Rate	APY*
0.50%	0.50%

Invest for two years at prime less 2.75%. When the prime rate rises your CD rate rises but won't fall below the initial rate. Minimum opening deposit of $10,000
The Floating Rate CD product ties to the prime-lending rate

MONEY MARKET CHECKING

Money Market Checking accounts (for Business or Personal) are used by individuals and business alike. The rates are tiered so as your balance goes higher you earn more interest. Interest is compounded daily. The number of third party checks you may write and the number of pre-authorized transfers you may make each month are limited by banking regulations. There are no limits to the number of transfers you may make to your other accounts when you visit the branch in person.

Avg. Daily Balance	Rate	APY*
under 49,999.99	0.25%	0.25%
50,000 - 149,999.99	0.65%	0.65%
150,000 - 449,999.99	1.05%	1.05%
450,000 - 749,999.99	1.25%	1.25%
750,000 and over	1.45%	1.45%

SAVINGS ACCOUNTS

IRA Savings	APY*
1.50%	1.51%

IRA Savings

With an Individual Retirement Savings your money is always available for your use or park it while you search for another investment. You earn interest that compounds daily.

Personal Savings	APY*
0.20%	0.20%

Personal Saving

A personal savings account is a great way to begin building your wealth. The funds are available for emergency and earn interest that compounds daily.

Business Savings	APY*
0.20%	0.20%

Business Savings

Many businesses use business savings accounts in their cash management activities. The funds can be parked temporarily but continue to earn interest that compounds daily.

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.

Classic Checking	APY*
0.15%	0.15%

NOW Account	APY*
0.15%	0.15%