Compare CDs | CD Rates | Bank of the West

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Flexible-Term CD

0.02%–0.15% APY^footnote*
Depending on balance and term
View today’s rates

Apply at a Branch

$1,000 minimum to open
Flexibility to choose your own specific term
Automatic renewal at maturity with a 10-day grace period
Terms available from 32–364 days or 12–60 months^footnote1
FDIC insured^footnote2

Premium CD

0.02%–3.00% APY^footnote*
Depending on balance and term
View today’s rates

Apply at a Branch

$2,500 minimum to open
Competitive interest rates on a variety of terms
Automatic renewal at maturity with a 10-day grace period
Terms available from 91 days to 60 months^footnote1
FDIC insured^footnote2

Get answers to your questions about CDs

What is a CD?

A certificate of deposit (CD) is similar to a savings account. Money is deposited in a CD at a fixed interest rate and must remain there for a specific term. This term can be from 32 days to 5 years.
What if I want to withdraw my CD early?

Penalties may apply to withdrawals made at any other time than during the grace period. Early withdrawal penalty fees could reduce earnings on the account.
What do I do when my CD matures?

When your CD matures, you can withdraw all or part of the money, have it automatically renew for the same CD term at the interest rate that is being offered at maturity, or roll it over into a new CD term at the interest rate that is being offered at maturity.