Certificates of Deposit

Certificates are a hard-working, stable savings tool with a high rate
  • The more you deposit, the more you earn
  • Multiple terms to meet your individual goals
  • Stable source of savings growth
Make an Appointment or Find a Branch

Earn big with flexible rates:

With Certificates, the longer your term, the more you'll earn. Choose from various terms to meet your goals. Once your Certificate matures, you can reinvest to keep earning, or cash out to use your money.
  • $1,000 minimum deposit to open
  • Terms range from three months to five years
  • Tiered interest rates increase at $20,000, $50,000 and $100,000
  • Click here to check rates
You can open this Certificate in one of our branches or via our Call Center.
Click here to make a branch appointment or call us at (916) 444-6070.
Annual Percentage Yield (APY) is accurate as of September 19, 2023 and assumes principal and dividends will remain on deposit until maturity.
Dividends compound monthly. Withdrawals may reduce earnings and incur penalties. Minimum opening deposit of $500.  Certificate will automatically renew
on the maturity date at the nearest standard term and dividend rate not to exceed the term of the special. Rates and terms are subject to change and promotion may
end without notice.  
* 3-Month IRA certificates are not currently offered. The 11-month certificate will automatically renew to a 12-month term upon maturity. The 19-month certificate will automatically renew to a 18-month term upon maturity.