The simplest solution is often the best. With a CD, the longer you save, the more you earn. Just lock in the term that works for you — from 3 months to 5 years — and let your funds go to work. Then all you have to do is soak up the California sun and wait for your payday. It's really that simple — no stressful guesswork or risk-taking required.

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other investments
  • Terms from 3 months to 5 years
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • Renews automatically upon maturity after 10-day grace period
  • $2,500 minimum deposit to open
  • FDIC insured to the maximum amount allowed by law
High-Yield Online Certificates of Deposit (CDs)

Get a great return while growing your money with no surprises or rate changes. Plus, you can open our High-Yield CDs online in no time at all.

  • FDIC insured to the maximum amount allowed by law
  • Open and fund securely online (online only)
  • Fixed rates for guaranteed returns
  • Terms from 1 to 3 years
  • $25,000 minimum to open
  • No monthly maintenance fee
  • View current rates

Current Disclosures

Apply Online

The Annual Percentage Yield (APY) is current as of the date of this Deposit Rate Schedule. Early withdrawal penalties may apply. Fees may reduce earnings.

*Your account will mature in the length of time selected at account opening. If you withdraw any of the principal before the maturity date, we may impose a penalty. For terms of less than one (1) year, the penalty will be forfeiture of all of the interest earned and/or to be earned, on the amount withdrawn, to the scheduled maturity date. For terms of one (1) year and greater, the penalty will be the forfeiture of interest earned and/or to be earned, on the amount withdrawn for the number of months equal to the term of the certificate, expressed as number of months, divided by two. For example, the penalty on a 24-month term certificate would be 12 months of interest earned and/or to be earned on the amount withdrawn. Early withdrawal penalties may reduce the principal balance. This account will automatically renew. You will have ten (10) calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.