Secure your savings with SBIC Bank's certificate of deposit options. SBIC Bank offers certificates of deposit with competitive fixed rates, flexible terms, and FDIC insurance up to $250,000* - available to open online from anywhere in the U.S. Earn high interest CD rates while keeping your money safe. Open a CD account today and start building your future with fixed returns.
Whether you’re looking for a short-term, high-yield savings option or planning long-term, our secure CD accounts provide competitive rates, predictable returns, flexible terms, and FDIC-insured protection*. We also offer special online-only rates on select CDs!
For a limited time, SBIC Bank is offering special interest rates on select Certificates of Deposit. Terms and minimum balances apply; open online today before rates change.
| Term | Min. Balance to Open & Obtain APY | Interest Rate | You Earn (APY*) |
|---|---|---|---|
| 3 Months | $1,000.00 | 3.69% | 3.75% |
| 4 Months | $1,000.00 | 3.94% | 4.00% |
SBIC Bank offers a full range of deposit products across personal, business, and retirement depending on your needs:
Maximize idle business funds with FDIC-insured, fixed-rate business CDs offering guaranteed returns and flexible terms. Competitive rates designed for businesses of every size.
Grow your retirement savings in a safe, tax-advantaged account. SBIC Bank offers both Traditional and Roth IRA CDs with flexible terms and competitive fixed rates.
Secure, fixed-rate savings with flexible terms from 3 months to 5 years and a minimum opening deposit of $1,000. Whether your goal is short or long-term, our personal CDs offer stability and competitive earnings.
A Certificate of Deposit (CD) is a secure, interest-bearing deposit account that allows you to earn a fixed return over a set term. It’s an excellent choice for savers who want to lock in a guaranteed interest rate without the risks of market fluctuations.
Opening a secure savings account with SBIC is simple:
Real stories from satisfied customers who trust SBIC for their banking needs:
"A very pleasant experience. The staff have been highly courteous and knowledgeable providing prompt service opening my bank accounts!! Highly recommend SBIC banking services."
Tuhin G., Sunnyvale
Real stories from satisfied customers who trust SBIC for their remittance needs:
"Excellent, very helpful, very friendly. Helped me to open a new account. Very pleasant experience.
Sinclair Gas & Carwash, Cerritos
One customer actually sent us a hand-written note to thank an employee:
"SBIC is lucky to have Al as an employee. Thank you for helping me with all my needs and requests!"
Rick L., Pleasanton
Real stories from satisfied customers who trust SBIC for their banking needs:
"A very pleasant experience. The staff have been highly courteous and knowledgeable providing prompt service opening my bank accounts!! Highly recommend SBIC banking services."
Tuhin G., Sunnyvale
Real stories from satisfied customers who trust SBIC for their remittance needs:
"Excellent, very helpful, very friendly. Helped me to open a new account. Very pleasant experience.
Sinclair Gas & Carwash, Cerritos
One customer actually sent us a hand-written note to thank an employee:
"SBIC is lucky to have Al as an employee. Thank you for helping me with all my needs and requests!"
Rick L., Pleasanton
Have questions about opening a CD or choosing the right high-yield product? Our team is available by phone, online, or at any of our branch locations.
877-707-1995
Monday - Friday, 8:00AM - 4:30PM PST
Click here to connect with an SBIC Bank representative through our Virtual Branch.
Prefer in-person assistance? Click here to find a branch location for help opening your account.
Withdrawing funds before the maturity date may result in penalties. SBIC ensures transparency in our CD investment terms:
*SBIC Bank is a member FDIC, which means your accounts are insured up to $250,000 per depositor, per FDIC insured bank, for each account ownership category. FDIC insurance is backed by the full faith and credit of the United States government.
*APY refers to Annual Percentage Yield and assumes interest remains on deposit until maturity. APY is accurate as of 2/26/2026. Rates are fixed for the term of the CD. You must deposit and maintain a daily balance of $1,000 to obtain this APY. Interest is compounded and credited to your account quarterly. Interest begins to accrue no later than the business day we receive the credit. CD rates are subject to change at any time and are not guaranteed until CD is opened. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. For further information about terms and conditions, see the Personal Banking Schedule of Fees and Charges and Terms and Conditions of Your Account, call toll-free 1.877.707.1995, or visit a location near you.
For further information about terms and conditions, see the Personal Banking Schedule of Fees and Charges and Consumer Deposit Account Disclosure, call toll-free 1.877.707.1995, or visit a location near you.
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