Oak Valley Community Bank
Eastern Sierra Community Bank

Certificates of Deposit (CDs)

A family smiling together

CDs are the sweet spot of investing: solid rewards with none of the risks. CDs offer higher interest rates than regular savings and money market ac- counts, so your money grows faster.

CDs offer flexible terms, which means you can decide for how long you want to invest your money. Terms available from 30 days to 5 years. And, your money is safe because CDs are insured up to certain limits by the Federal Deposit Insurance Corporation (FDIC). Even better: The more you deposit, the greater your return and the faster your account grows.

  • Earn a guaranteed interest rate for the length of the term
  • Interest compounds daily
  • $2,500 minimum opening balance required
Term Early Withdrawal Penalty
30 – 364 days 30 days of interest on the amount withdrawn
365 days – 5 years 90 days interest on the amount withdrawn