Certificates of Deposit



Designed for

Anyone that desires to earn interest on deposit balances through a desired maturity date

Features & Benefits

  • 30 days to 3-year maturity terms
  • Choose to have interest credited monthly, quarterly, semi-annually, annually, or at maturity (if one year or less)
  • Automatic renewal for your convenience
  • Interest may be credited to another checking/savings account you have with us or another bank and credited to your account at maturity
  • The interest rate and APY* in effect at account opening will be paid until first maturity


  • You may not make any deposits into your account before maturity
  • You may only withdraw interest credited in the term before maturity of that term without penalty
  • An early withdrawal penalty will be imposed for withdrawals before maturity; penalty amount varies by the original maturity term
  • Other restrictions may apply

Minimum Balance to Obtain Disclosed APY*


Minimum Balance to Open Account


Rate Information

Effective as of 09/02/2013

  Up to $99,999
$100,000 and more
30 Days 0.20% 0.20%
90 Days 0.25% 0.25%
180 Days 0.60% 0.60%
365 Days 0.80% 0.80%




*APY means “Annual Percentage Yield”

Please contact any Wilshire Bank branch to find out about the current interest rates and open up a Certificate of Deposit account.


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