Pacific Crest Savings Bank -

Deposit Rates

Retirement Plans

Traditional IRA

Roth IRA

401(k) Plan Checking

LLC Retirement Plan Checking

Business Money Market

Self Directed Retirement Plan Non-Recourse Loans

Savings Rates

The following interest rates are effective on 9/2/2010, and subject to change without notice.

For additional information, please call 800-335-4126 or contact one of our banking specialists.

Printer Friendly Rates PDF


REGULAR CERTIFICATES OF DEPOSIT*
Minimum balance to open and obtain APY $2,000

TERM	RATE	/	APY
3 months	0.80%	/	0.80%
6 months	0.95%	/	0.95%
1 year	1.09%	/	1.10%
2 years	1.54%	/	1.55%
3 years	1.88%	/	1.90%
5 years	2.47%	/	2.50%


JUMBO CERTIFICATES OF DEPOSIT*
Minimum balance to open and obtain APY $95,000

TERM	RATE	/	APY
3 months	0.60%	/	0.60%
6 months	0.75%	/	0.75%
1 year	0.90%	/	0.90%
2 years	1.34%	/	1.35%
3 years	1.69%	/	1.70%
5 years	2.27%	/	2.30%


PERSONAL MONEY MARKET ACCOUNT**
Minimum balance to open and obtain APY $2,000

BALANCE	RATE	/	APY
$2,000 - 24,999	1.00%	/	1.00%
$25,000 - 49,999	1.04%	/	1.05%
$50,000 +	1.09%	/	1.10%


PERSONAL CHECKING ACCOUNTS**
Minimum balance to open and obtain APY varies**

TYPE OF ACCOUNT	RATE	/	APY
Free checking	n/a	/	n/a
Interest Checking	0.75%	/	0.75%
Interest Plus Checking	1.00%	/	1.00%
Elite Checking (55 and older)	n/a	/	n/a


BUSINESS MONEY MARKET ACCOUNT***
Minimum balance to open and obtain APY $5,000

BALANCE	RATE	/	APY
$5,000 - 24,999	1.00%	/	1.00%
$25,000 - 49,999	1.04%	/	1.05%
$50,000 +	1.09%	/	1.10%


BUSINESS CHECKING ACCOUNTS***
Minimum balance to open and obtain APY varies**

TYPE OF ACCOUNT	RATE	/	APY
Business Basics Checking	n/a	/	n/a
Business Plus Checking	1.00%	/	1.00%
401(k) Plan Checking	1.00%	/	1.00%


INDIVIDUAL RETIREMENT ACCOUNTS
Available on Personal CDs and Personal Money Markets. $2,000 minimum initial deposit. No annual fees.

* Interest is compounded daily. The APY (Annual Percentage Yield) assumes interest remains on deposit until maturity. All Certificates of Deposit include an interest penalty for early withdrawal of principal. Interest rates are subject to change without notice.

** Interest is compounded daily. A fee will be charged if balance falls below the required minimum and will reduce the APY (Annual Percentage Yield). Free Checking: $100 minimum opening deposit, no minimum balance requirement; Interest Checking: $500 minimum opening deposit, $2,500 minimum daily balance to avoid service fee; Interest Plus Checking: $500 minimum opening deposit, $10,000 minimum daily balance to avoid service fee; Elite checking: $100 minimum opening deposit, no minimum balance requirement; Personal Money Market: $2,000 minimum opening deposit and minimum daily balance to avoid service fee. Interest rates are subject to change without notice.

*** Interest is compounded daily. A fee will be charged if balance falls below the required minimum and will reduce the APY (Annual Percentage Yield). Business Money Market: $5,000 minimum opening deposit and minimum daily balance to avoid service fee; Business Basics Checking: $500 minimum opening deposit, $2,000 minimum daily balance to avoid service fee; Business Plus Checking (for sole proprietorship and nonprofit businesses only): $500 minimum opening deposit, $5,000 minimum daily balance to avoid service fee; 401(k) Plan Checking (for solo 401(k) plan and trust ownership only): $10,000 minimim opening deposit and minimum daily balance to avoid service fee. Interest rates are subject to change without notice.