La Jolla Bank has a 24-month certificate of deposit with a 2.3% annual percentage yield (APY). The CD rate is only available when you open an account online. Other CD rates include:
- Six months for 1.5% APY
- 12 months for 1.8% APY
- 36 months for 2.45% APY
- 60 months for 3.2% APY
Other requirements for a La Jolla Bank CD include:
- Minimum balance of $10,000
- CD rates can change at any time
- CD rates are simple interest calculated on a 365 day basis
- Interest is credited to accounts monthly
- Substantial penalty for early withdrawal
- No minimum balance fees
To receive the APY, principal and interest must remain on deposit at the same rate for a year. Interest begins to accrue on the business day that non-cash items, such as checks, are deposited.
You can choose to receive interest payments. You must make a request in writing to have accrued interest debited from your account each month. If you elect to do this, a check is mailed each month except for the month in which the CD matures.
CDs automatically renew at maturity unless you request otherwise. You get seven calendar days after the maturity date to withdraw money without paying a penalty.
You receive a monthly statement by mail for Internet CDs.
- 6 Month CD %
- 1-year CD %
- 2-year CD %
- Money Market Account %
- Savings Account %
- 30-year Fixed Mortgage 3.62 %
Bank rates provided by MoneyRates.com based on average rates for deposits under $10K and conforming mortgage rates
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