Certificate of Deposit Rates

Below are the current Annual Percentage Yields (APYs) and Interest Rates for Fremont Bank's Certificate of Deposit products. Rates offered are subject to change.

Personal Deposit Interest Rates

Minimum Opening Deposit: $2500

TermInterest RateAPY**Interest RateAPY**Interest RateAPY**Interest RateAPY**
$2,500 up to $49,999*$50,000 up to $99,999*$100,000 up to $1,000,000*$1,000,001 and Over*
1 Month0.25%0.25%0.50%0.50%0.75%0.75%0.75%0.75%
3 Month2.96%3.00%2.96%3.00%2.96%3.00%2.96%3.00%
6 Month3.20%3.25%3.20%3.25%3.20%3.25%3.20%3.25%
9 Month1.00%1.00%1.24%1.25%1.49%1.50%1.49%1.50%
1 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
18 Month1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
2 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
3 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
4 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%
5 Year1.24%1.25%1.49%1.50%1.74%1.75%1.74%1.75%


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*Each tier shown reflects the balance required to obtain the applicable Annual Percentage Yield (APY). 

**The Annual Percentage Yield (APY) is accurate as of 7/15/2025 and applies to the initial term of the CD. Rates offered subject to change at any time without notice. Interest is compounded and credited to the account on a monthly basis. The APY assumes interest remains on deposit until maturity. If you close the account before the interest is credited, you will not receive the accrued interest. Unless the Bank notifies you of a change in terms, at maturity CD accounts will automatically renew for a new term at the rate and APY then in effect for account. For Personal accounts only. Substantial penalty for early withdrawal. An early withdrawal will reduce earnings. Fees may reduce earnings. Please ask for Fremont Bank's Deposit Account Agreement for balance requirements and early termination penalties.