• Certificates of Deposit
    Up to 2.60% APY*
    on a New Special CD

    With $10,000 minimum deposit. Conditions apply. See "Offer Details" below.

    Open an Account opens a modal dialog
  • Who We Are
    Your neigborhood. Your bank.

    With over 60 Southern California retail branches spanning from San Diego to Ventura County, OneWest Bank, a division of CIT Bank, N.A. (Member FDIC, Equal Housing Lender) offers local communities a full array of deposit and lending solutions for consumers and small businesses - both in-person and online.

    Backed by CIT, with the strength of over $50 billion in assets, we're here to help you meet your banking and borrowing needs confidently and securely. OneWest Bank is proud to be a growing presence here, supporting the day-to-day financial lives of our customers. OneWest has been recognized by MONEY Magazine as the "Best Bank, California" 2 years in a row, from 2016-2018.

    From MONEY, November 2017 © 2017 Time Inc. Used under license. MONEY and Time Inc. are not affiliated with, and do not endorse products or services of, OneWest Bank, a division of CIT Bank, N.A.

  • Offer Details

    *The Annual Percentage Yield (APY) for the 8-Month Certificate of Deposit (CD) is 2.25%, and the APY for the 15-Month CD is 2.60%. These APYs are accurate as of January 2, 2019 and are subject to change without notice. The 8-Month and 15-Month CD products (“Special Offer CDs”) may be discontinued at any time. The minimum deposit required to open a Special Offer CD is $10,000. Funds deposited must be new money, meaning funds not already on deposit or held at OneWest Bank, a division of CIT Bank, N.A. ("OneWest Bank") or CITBank.com ("CIT") at the time of account opening. Funds withdrawn from OneWest Bank or CIT within 90 days prior to account opening are also restricted. Minor accounts and employees of CIT Group Inc. or any of its affiliates, including CIT Bank, N.A. and its OneWest Bank division, are ineligible. The Special Offer CDs are personal accounts and cannot be opened under the name of a business. The Special Offer CDs are not available as an on-line Individual Retirement Account (IRA).

    Upon maturity, the CD will be automatically renewed as follows:
    - Upon maturity, the 8-Month CD will be automatically renewed as a 9-Month Term CD at the then-published APY.
    - Upon maturity, the 15-Month CD will be automatically renewed as a 13-Month Term CD at the then-published APY.

    A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. See the OneWest Bank Account Disclosures for Personal Accounts for complete terms, fees and conditions.