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Personal Certificate of Deposit

Grow your Savings with a CD

Time Certificate of Deposits

  • Minimum Opening Deposit: 
    • California, Nevada and Hawaii region: $2,500
    • New York and Chicago region: $1,000
  • Terms: 7 days or more (vary by region)
  • Interest Features: Fixed rate¹. Interest will be compounded and credited monthly.
  • Interest penalty applies to premature withdrawals.

Option Rate Certificate of DeposiTS¹
  • Minimum Opening Deposit: 
    • California, Nevada and Hawaii region: $2,500
    • New York and Chicago region: $1,000
  • Terms: 24 month, 36 month or 48 month
  • Interest Features: Fixed rate¹. Interest will be compounded and credited monthly.
  • Interest penalty applies to premature withdrawals.
One-Time Rate Adjustment
Individual Retirement Accounts  (IRA)
  • Minimum Opening Deposit: 
    • California, Nevada and Hawaii region: $2,500
    • New York and Chicago region: $1,000
  • Terms: 12 month or 18 month
  • Interest Features: Fixed rate¹. Interest will be compounded and credited monthly.
  • Interest penalty applies to premature withdrawals.
Learn More for Tax-Advantage 



























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Flexible Terms

Multiple term options available vary by region. Save with as little as 7 days or as much as 5 years.
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Fixed Interest Rate¹

Predictable growth with fixed and competitive rates that are not affected by market changes. 


For more information or to apply, please visit any of our local branches today.

¹Royal Business Bank uses variable interest rates for checking, money market, and savings accounts, the interest rate and annual percentage yield (APY) for your account depend upon the applicable rate tier. The interest rate and APY for these tiers may change at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). To obtain the disclosed annual percentage yield, you must maintain a minimum average daily balance (ADB) required by the type of account. We use the ADB method to calculate interest on your account. If you close your account before interest is credited, you will not receive the accrued interest.