Looking for a higher return on your deposit? Certificate accounts let you lock in a rate for a term ranging from 3 months to 5 years.

Certificates
With a minimum investment as low as $2,500, you can earn an great rate on your money. In fact, our certificate rates are usually higher than those at most of California's biggest banks.Click here to view current rates.

IRA Account
You can open your IRA savings with just $250 and add to it as you wish, up to the limit specified by law. Pension plans, 401Ks, supplemental savings, prior contributions, transfers are welcome and usually eligible for IRA rollovers. Our IRA Accounts are separately insured.

IRA Certificates
IRA Certificates are available at the same competitive rates and terms as regular certificates.

Roth IRAs
The Roth IRA gives you the ability to invest your after-tax dollars today, let the investment grow tax-deferred, and withdraw your earnings tax-free after five years.

You may make tax-free and penalty-free withdrawals from your Roth IRA if you satisfy two conditions: 1) the plan must have been opened for a minimum of five years, and 2) the withdrawal must be made after the occurrence of one of the following events:

• age 59 1/2
• death
• disability
• or first home purchase

Education IRA
An education IRA is an investment tool created for the purpose of paying for the future cost of your child's educational expenses. The plan allows total after-tax contributions of $2,000 per year for each child until they reach the age of 18. These contributions and their subsequent earnings are tax-free when withdrawn to pay for qualified education expenses.

All rates and programs subject to change.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. IRAs are separately insured up to $250,000.