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Rates Calculator

Serious investors can enjoy a sure thing with our
fixed-rate CD. Simply choose your term to get started.

Key Features

  • Fixed Rates
  • Flexible Terms

To view our current rates, click here

To inquire about our current CD Specials, please contact us. 

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Interest is compounded daily and paid monthly
  • Provides more guarantee than other, risky investments
  • A wide range of terms available (from 30 days to 5 years)
    • IRA terms start at 180 days
  • No setup or maintenance fees
  • Early withdrawals subject to penalty1
  • $10,000 minimum deposit to open CD2
  • $2,000 minimum deposit to open IRA

Calculate insurance coverage using the FDIC’s Online Electronic Deposit Insurance Estimator.

1All withdrawals are subject to an Early Withdrawal Penalty. Mandatory IRA distributions are excluded.

2Additional deposits (including ACH & wires) may not be made into a certificate of deposit.

Lighthouse Bank has been the perfect partner for our business. They helped us secure our loan and credit line to help pivot our business and set us up for success for years to come.

Spencer Joseph & Brandon Stewart
Caliber Truck Co

Lighthouse has been a partner of the Digital NEST since its inception. It has been a pleasure working with them and they have met all of our needs including easy access to Online Banking & Remote Deposit Capture.

Jacob Martinez
Digital NEST

Starting a business is tough, but Lighthouse Bank’s SBA Lending Program ensured we had the capital we needed to succeed.

Chris Baca, Charles Jack, and Jared Truby
Cat & Cloud Coffee

It's fun to go to Lighthouse Bank! We're appreciated as individuals and as members of our shared community. We were happy to partner with them via a loan to solar power our business.

Rob & Kathleen Genco
Discretion Brewing

Banking with Lighthouse allows us to spend more time running our business and less time making trips to the bank!

Mary Ann & Mark Escobar
Escobar Diamonds

Lighthouse Bank’s focus on exceptional service is impressive! They understand my needs and continually deliver ultra-responsive service.

Karen K. McCay
Pahl & McCay

Lighthouse Bank isn’t just a bank. They really care about every customer who walks in the door, from greeting you by name, to finding the right solution to your banking needs, and supporting small businesses.

Carrie Clark & Sebastian Manjon
ViDA Juice

We love them so much we decided to open personal accounts as well!

Leilani Zehnder and Ariel Stirm
Botanic & Luxe

We couldn’t have asked for a better partner to start a new business! Lighthouse Bank’s SBA lending program has helped us turn our dream into a reality.

Jason and Josh Morgan
PRIMAL Santa Cruz

See all Testimonials