Certificates of Deposit

Certificates of Deposit are our most popular savings option. They allow you to lock in guaranteed yields keeping your investment safe and secure.  Flexible terms of up to 5 years are available.  See our current interest rates for the right term and yield for you.

The minimum Certificate account balance is $1,000, but certificate interest rates are tiered. The larger 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 Accounts, please see your local PacTrust relationship banker.

Certificate of Deposit Accounts are also available for Retirement Savings.

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 PacTrust Bank are separately insured by the FDIC up to an additional $250,000.