Certificates of deposit (CD)

The term savings option to help you realize your dreams

Are you saving for vacation, tuition, taxes or any other future expense? Are you most comfortable picking stable investments? Do you have some money saved that you won't need to use for a while? Heritage Oaks Bank's CDs offer higher earnings at a guaranteed rate of return.

Account Features:

  • Excellent and competitive interest rates1
  • Principal available for withdrawal at maturity2
  • For CDs under $100k, the minimum opening deposit is $1,0003
  • For CDs over 100k, the minimum opening deposit is $100,000.01


  • Flexible maturities available, from 6 months to 5 years4
  • Compounded interest calculated on a 365-day basis for all CDs
  • Transfer the interest earned to your Heritage Oaks Bank checking or savings account automatically - monthly, quarterly or annually5

To learn more about our Certificates of Deposit, visit a Financial Services Representative at any of our Central Coast locations, or call us at 805.369.5200.

  • See Fee Schedule and Truth in Savings Disclosure for additional fees, charges, terms and conditions that may apply to your account.
  • 1 A daily collected balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the collected principal in the account each day. Interest will be compounded daily and will be credited to the account monthly.
  • 2 Withdrawals must occur during the 10-day grace period at maturity; otherwise CDs will auto renew for a term and at interest rates in effect at time of maturity. A penalty may be imposed for early withdrawal.
  • 3 Pledged Certificates of Deposits may be opened with a minimum opening deposit of $500.
  • 4 Terms over 1-year set-up in monthly increments.
  • 5 Transferring interest will reduce the compounded interest you earn on your CD, resulting in a lower annual percentage yield to you.