Rates

  • CDs

      CERTIFICATES OF DEPOSIT A wide variety of Certificates of Deposit are available. To determine interest rates on Certificates of Deposits from sources outside California, contact Ken Donahue or Dennis Woods at 1-888-683-6030.Posted Rates and Annual Percentage Yields (APY) are effective as of 06/02/14. Term in months Under $100,000 APY*   $100,000 & over APY* 30 days 0.12% 0.12%   0.27% 0.27% 90 days 0.12% 0.12%   0.27% 0.27% 180 days 0.15% 0.15%   0.30% 0.30% 270 days 0.15% 0.15%   0.30% 0.30% 1 year 0.20% 0.20%   0.35% 0.35% 18 months 0.25% 0.25%   0.40% 0.40% 2 years 0.35% 0.35%   0.50% 0.50% 3 years 0.45% 0.45%   0.60% 0.60% 4 years 0.55% 0.55%   0.70% 0.70% 5 years 0.65% 0.65%   0.80% 0.80% 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. Floating Rate APY* 0.30% 0.30% This is a variable rate account set at the Wall Street Journal Prime (WSJP) less 2.75%.  The interest will change with WSJP rate, but will never drop below the initial rate of APY.  Floating Rate CDs require a minimum of $10,000.00 to open and to earn the APY.  Fees may reduce the earnings of the account.  A penalty may be imposted for early withdrawal.*Annual Percentage Yield   Read More
  • Savings Accounts

    Posted Rate and Annual Percentage Yield (APY) are effective as of 06/02/14. Business Savings                 APY* 0.15% 0.15%   The funds can be parked temporarily but continue to earn interest that compounds daily.This is a variable rate account and the interest rate may change at any time at the discretion of the bank.  $100.00 minimum deposit to open account, but no minimum balance is required to earn the APY.  Fees may reduce the earnings on the account. *Annual Percentage Yield     Read More
  • Checking Account

      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 Rate and Annual Percentage Yield is effective as of 06/02/14. NOW Account APY* 0.10% 0.10%       Minumum deposit to open a NOW Acccount is $200.00. No minimum balance is required to earn the APY.  Fees may reduce the earnings on the account.*Annual Percentage Yield Read More