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Interest Rates


CUSTOM CERTIFICATE OF DEPOSIT ACCOUNTS

The following Interest Rate comparisons show the Annual Percentage Yield followed by the Interest Rate for the term and balance of the deposit.

Balance/Term 07 - 30 Days 31-89 Days 90 - 179 Days 180 - 364 Days
$1,000 - 9,999
$10,000 - 49,999
$50,000 - 99,999
$100,000 & over
Balance/Term 12 - 23 Months 24 - 35 Months 36 - 59 Months 60 - 119 Months 120 Months
$1,000 - 9,999
$10,000 - 49,999
$50,000 - 99,999
$100,000 & over

The following Interest Rate comparisons show the Annual Percentage Yield followed by the Interest Rate for the term and balance of the deposit.

Balance/Term
  •  
  •  
  • 7 Month
  • No early withdrawal penalty after first 7 days.
  • Cannot exceed $100,000 principal.
  • 9 Month
  • No early withdrawal penalty after first 7 days.
  •  
  • 18 Month (One-Step CD)
  • One Time Interest Rate "Bump-Up" Feature.
  •  
  • $1,000 - 9,999
    $10,000 - 49,999
    $50,000 - 99,999
    $100,000 & over

    MONEY MARKET PLUS
    Balance APY* Interest Rate
    up to $9,999
    $10,000- 24,999
    $25,000- 49,999
    $50,000- 99,999
    $100,000- 249,999
    $250,000 and over
     
    BUSINESS MONEY MARKET PLUS
    Balance APY* Interest Rate
    up to $49,999
    $50,000-99,999
    $100,000-499,999
    $500,000-999,999
    $1,000,000-2,999,999
    $3,000,000 & over

    PLATINUM MARKET RATE ACCOUNT
  • $50,000.00 minimum opening deposit
  • Other conditions apply
  • Balance APY* Interest Rate
    up to $49,999
    $50,000- 99,999
    $100,000- 249,999
    $250,000- 499,999
    $500,000- 999,999
    $1,000,000 and over
    BUSINESS MARKET RATE ACCOUNT
  • $100,000.00 minimum opening deposit
  • Other conditions apply
  • Balance APY* Interest Rate
    up to $99,999
    $100,000-499,999
    $500,000-999,999
    $1,000,000-2,999,999
    $3,000,000-4,999,999
    $5,000,000 & over

    INTEREST CHECKING / RELATIONSHIP CHECKING
       APY*  Interest Rate
     
     
     
     
     
     
     
    REPURCHASE SWEEP ACCOUNT
    Balance APY* Interest Rate
    up to $99,999.99
    $100,000-999,999.99
    $1,000,000-2,999,999.99
    $3,000,000-4,999,999.99
    $5,000,000-9,999,999.99
    $10,000,000 & Over

    (This rate also applies to State Bar of California Legal Trust Accounts)

    PERSONAL SAVINGS AND BUSINESS SAVINGS
    Balance APY* Interest Rate
    up to $999
    $1,000- 9,999
    $10,000- 99,999
    $100,000 & over
    CLUB ACCOUNTS
      APY* Interest Rate
     
     
     

    *Annual Percentage Yield

    Information Applicable to Certificates of Deposit, Time Deposit Open Accounts, Interest Checking, Money Market and Savings Accounts:
    We use the daily balance method to calculate the interest on all of these deposits. This method applies a daily periodic rate to the compounded balance in your account each day. Interest is compounded daily and will be credited to your account at the time indicated in the Deposit Agreement & disclosure applicable to your account. For Certificates of Deposit, the method of crediting your interest is described in the receipt for time deposit. The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. Fees imposed when minimum balance or average daily balance requirements are not met will reduce earnings. Except for Fixed Rate Certificates of Deposit, at our discretion, we may change the interest rate on your account from time to time. Fixed Rate Certificates of deposit will automatically renew at maturity unless the Bank notifies you to the contrary shortly before the maturity. Except for CDs with a maturity of less than 30 days, you have a 10-calendar day grace period after maturity during which a withdrawal can be made without penalty; for accounts less than 30 days withdrawals must be made on the maturity date.
    Penalty for Early Withdrawal:
    Fixed Rate Certificates: We impose a penalty if you withdraw any of the principal before maturity. (Partial withdrawals are not permitted.) The penalty for 07-89 day accounts equals the amount of interest earned (whether paid or not) but not less than seven days interest on a full amount of the principal. The penalty for 90 - 364 day accounts equals 90 days simple interest (whether earned or not) on the full amount of the principal. The penalty for 12 month - 35 month accounts equals 180 days simple interest (whether earned or not) on the full amount of the principal. The penalty for 36 month and longer accounts equals 365 days simple interest (whether earned or not) on the full amount of the principal.

    Member FDIC