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CERTIFICATES OF DEPOSIT (CDs)

Start growing your savings today with a CD

Our Premium CD has savings options that fit your needs.

Not in California?
Premium CD

0.02%-4.50% APYfootnote*

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 monthsfootnote1
  • FDIC insuredfootnote2

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 91 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.

Tell us where you live

Choose your state of legal residence. We can then give you information about the products and services available in your area.

Note: Bank of the West has branches only in the states listed in the drop-down. At this time, we only open accounts for individuals and businesses in these states.