Certificates of Deposit

Personal CDs Banner

Our CD comparison table should help you decide which account is right for you. Just find the term and minimum opening balance that best meets your savings needs.

Rates and Yields are Accurate as of: January 27, 2023
(Rates Subject to Change Daily)

Certificates of Deposit

Apply Now
Account Type Interest Rate APY* Minimum Opening Deposit Minimum Balance To Obtain APY**
1 Month CD 0.05% 0.05% $10,000 $10,000
2 Month CD 0.10% 0.10% $1,000 $1,000
3 Month CD 0.75% 0.75% $10,000 $10,000
0.10% 0.10% $500 $500
4 Month CD 0.15% 0.15% $10,000 $10,000
5 Month CD 0.15% 0.15% $10,000 $10,000
6 Month CD 0.16% 0.16% $500 $500
7 Month CD 2.23% 2.25% $10,000 $10,000
8 Month CD 0.18% 0.18% $10,000 $10,000
9 Month CD 0.20% 0.20% $10,000 $10,000
10 Month CD 0.20% 0.20% $10,000 $10,000
12 Month CD 0.20% 0.20% $500 $500
14 Month CD 2.67% 2.70% $10,000 $10,000
15 Month CD 0.30% 0.30% $10,000 $10,000
18 Month CD 0.30% 0.30% $500 $500
24 Month CD 0.40% 0.40% $500 $500
25 Month CD 0.45% 0.45% $1,000 $1,000
30 Month CD 0.50% 0.50% $500 $500
36 Month CD 0.55% 0.55% $500 $500
60 Month CD 0.90% 0.90% $500 $500
18 Month IRA 0.50% 0.50% $250 $250

*APY = Annual Percentage Yield
**Minimum Balance (the amount of principal in the account each day)

Jumbo Certificates of Deposit

Account Type Interest Rate APY* Minimum Opening Deposit Minimum Balance To Obtain APY**
30 to 59 Day 0.08% 0.08% $99,000 $99,000
60 to 89 Day 0.10% 0.10% $99,000 $99,000
90 to 119 Day 0.80% 0.80% $99,000 $99,000
120 to 149 Day 0.15% 0.15% $99,000 $99,000
150 to 179 Day 0.18% 0.18% $99,000 $99,000
180 to 239 Day 2.28% 2.30% $99,000 $99,000
240 to 269 Day 0.23% 0.23% $99,000 $99,000
270 to 365 Day 2.72% 2.75% $99,000 $99,000
2 Year 0.55% 0.55% $99,000 $99,000
3 Year 0.60% 0.60% $99,000 $99,000
5 Year 1.00% 1.00% $99,000 $99,000

*APY = Annual Percentage Yield.
**Minimum Balance (the amount of principal in the account each day)

A penalty may be imposed for withdrawals before maturity from term accounts.
Fees imposed on your account may affect the Annual Percentage Yield.
Contact Customer Service at 1-800-874-9779 for further information about applicable fees and terms.
Offices Throughout Northern California - For the office nearest you call 1-800-874-9779
Deposits Federally Insured to $250,000 and Backed by the Full Faith Credit of the U.S. Government.

Find your nearest El Dorado Savings Bank location   Get Directions