Certificates of Deposit

When it comes to CDs, Pacific Trust Bank is the place to stash your cash! 

Certificates of Deposit are our most popular savings option. They allow you to lock in high Annual Percentage Yields while keeping money on deposit for a fixed period of time.

We offer a wide range of terms (from three months to five years), and our interest rates are among the best in the area.

The minimum Certificate account balance is $500, but certificate interest rates are tiered. The bigger the CD balance, the higher the rate. Earn higher Annual Percentage Yields (APYs) by combining funds into a larger-balance certificate account.

Early withdrawal penalties may apply. For more information about Certificate of Deposit account terms, please see our Truth-In-Savings Handbook.

Get "Peace of Mind" at Pacific Trust Bank

Pacific Trust Bank now also offers is unique adjustable-rate add-on Peace of Mind Certificate Account.

Certificate of Deposit accounts, including the Peace of Mind account, are also available for IRA funds.

Special Term Certificates 

Market Indexed Add-On Certificate 

Now, with as little as $500 you can open a Market Indexed Add-On Certificate and earn the same high rate of return that those with $25,000 or more enjoy in our Indexed Money Market Account.

This is not an overnight account, it's a 12-month term certificate that you can make additional deposits to. Open one with $500 or more, and you can put additional money into this Certificate at any time and as often as desired. The entire balance, including any additional deposit amounts, earns the same high APY that's adjusted weekly to equal the latest 3-month T-Bill auction rate.

Additional deposits to the Market Indexed Add-on CD are completely optional and not required. The additional amount must be $25 or more. The term of the CD is unchanged by any additional deposits - its maturity date remains the same, even if the addition is made near the end of the Certificate's term.

Other restrictions may apply – please see our “Important Account Information” handbook for more details.

Flexible Certificates 

Want the benefit of higher rates for longer-term CDs, but worried about locking in today if interest rates rise in the future?

The answer is Pacific Trust's Flex-15 flexible certificate. It's a 15-month term Certificate of Deposit with the depositor having a one-time option to move to a higher-rate CD.

Should interest rates rise during the certificate's term, the Flex-15 Certificate allows you a one-time option to shift your funds into a higher yielding certificate account, as long as the new CD has a maturity date equal to or greater than the original Flex-15 Certificate's maturity date.

For example, if six months into the 15 month term we are then offering higher dividend rates on a 9 month or greater term CD than being earned on your Flex-15 Certificate, you can shift your funds to a new Certificate for any term with a maturity date equal to or greater than your original Flex-15 Certificate's maturity date. There's no early withdrawal penalty, and you immediately being earning the higher rate of return on your new CD.

Please see our current Interest Rates. For more information about Flex-15 Certificate of Deposit account terms, please see our Truth-In-Savings Handbook.

FDIC Insured - Your deposits are federally insured to at least $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC), and your retirement funds on deposit at Pacific Trust Bank are separately insured by the FDIC up to an additional $250,000.