• Certificates of Deposit

    --%APY Annual Percentage Yield on 5 Year CD. Read Disclosures
  • Our versatile CDs are tailored for both high performance and your savings needs
    • Competitive 3-Month to 5-Year Rates
    • Fixed Rate for Term of CD
    • 7-Day Grace Period1
    Open an Account

    Different deposit products and interest rates may be available at our BankOnCIT.com online channel.

    Description Our versatile CDs are tailored for both high performance and your savings needs.
    Minimum to Open $1,000
    Earns Interest Yes, Fixed Rate for the Term of the CD. Rates vary depending upon term selected.
    Minimum Balance to Earn Interest $1,000
    Interest Rate Tiers N/A
    Check Writing Not Available
    OneWest ATM/Debit Card Not Available
    Withdrawals Only at Maturity. Penalty may be imposed for early withdrawal.
    Grace Period Our versatile CDs are tailored for both high performance and your savings needs.
    Retirement Account Available as an IRA
    • Access to 24/7 banking through online, mobile and via an automated telephone
    • Competitive rates
    • Terms of 3 months to 5 years
    Open an Account
    Rates table for Online CD Account
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    Open an Account
  • CD Laddering

    When it comes to saving, many investors want to gain access to their money while also taking advantage of the best interest rates available. Our CDs, as an example, provide predictable liquidity while offering great rates by holding your funds for a set term.

    CD laddering is a savings strategy that provides flexibility and high returns with low risk. The method involves investing in CDs of varying terms so that your money is maturing regularly and can be reinvested to keep your savings growing.

    Learn About CD Laddering
    CD Laddering
  • Bank with Southern California's Trusted Bank

    Since we first opened our doors, we've been committed to our neighbors. OneWest Bank was founded as a regional bank, dedicated to customer service and a commitment to the community. As a division of CIT Bank, N.A., that commitment continues and we're proud to be Southern California's hometown bank.

    FDIC Insured up to $250,000

    OneWest Bank, a division of CIT Bank, N.A. and CIT Bank, N.A. are the same FDIC-insured institution. Deposits held under each name are not separately insured, but are combined to determine whether a depositor has exceeded the $250,000 federal deposit insurance limit, per depositor for each account ownership category. For purposes of calculating aggregate deposits held in OneWest Bank, a division of CIT Bank, N.A., you should include deposits held in CIT Bank, N.A.

  • 1 For CDs that automatically renew, there is a seven-day grace period, which begins on the maturity date, when funds can be transferred to another account or withdrawn without penalty.