Checking & Savings
Certificates of Deposit (CDs)

Certificates of Deposit (CDs)

Let’s put your money to work.

Grow With Confidence. Save With Purpose.

Earn more with a CD from Bank of the Pacific. Whether you’re planning ahead or just getting started, we’re here to help you make every dollar count.

Key Account Details:

Minimum opening deposit: $500
See our rates for more details
Certificates are accessible via Online & Mobile Banking

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Today’s Rates

Short-Term Consumer Certificate of Deposit (Terms from 1 to 12 Months)
Minimum Opening Deposit	Term (Months)	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. ^*APY means annual percentage yield. All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change. Minimum opening deposits apply on the following interest bearing accounts: $25 for all savings accounts; $100 for prime and interest checking; $1000 for Premier Checking and personal money market accounts; $500 for CDs and IRAs; $100 for Bear at the Bank CD. A penalty may be imposed for early withdrawal on CDs and IRAs.
Minimum Opening Deposit $500.00 – $24,999	Term (Months) 1 Month – 5 Months	Interest Rate 0.15%	APY^* 0.15%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 1 Month – 5 Months	Interest Rate 0.25%	APY^* 0.25%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 1 Month – 5 Months	Interest Rate 0.25%	APY^* 0.25%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 1 Month – 5 Months	Interest Rate 0.35%	APY^* 0.35%
Minimum Opening Deposit $250,000 +	Term (Months) 1 Month – 5 Months	Interest Rate 0.40%	APY^* 0.40%
Minimum Opening Deposit $500 – $24,999	Term (Months) 6 Months – 8 Months	Interest Rate 2.50%	APY^* 2.53%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 6 Months – 8 Months	Interest Rate 2.50%	APY^* 2.53%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 6 Months – 8 Months	Interest Rate 2.75%	APY^* 2.79%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 6 Months – 8 Months	Interest Rate 3.25%	APY^* 3.30%
Minimum Opening Deposit $250,000 +	Term (Months) 6 Months – 8 Months	Interest Rate 3.50%	APY^* 3.56%
Minimum Opening Deposit $500 – $24,999	Term (Months) 9 Months – 12 Months	Interest Rate 3.00%	APY^* 3.05%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 9 Months – 12 Months	Interest Rate 3.00%	APY^* 3.05%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 9 Months – 12 Months	Interest Rate 3.25%	APY^* 3.30%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 9 Months – 12 Months	Interest Rate 3.50%	APY^* 3.56%
Minimum Opening Deposit $250,000 +	Term (Months) 9 Months – 12 Months	Interest Rate 3.75%	APY^* 3.82%

Mid-Term Consumer Certificate of Deposit (Terms from 12-35 months)
Minimum Opening Deposit	Term (Months)	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. * APY means annual percentage yield. All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change. Minimum opening deposits apply on the following interest bearing accounts: $25 for all savings accounts; $100 for prime and interest checking; $1000 for Premier Checking and personal money market accounts; $500 for CDs and IRAs; $100 for Bear at the Bank CD. A penalty may be imposed for early withdrawal on CDs and IRAs.
Minimum Opening Deposit $500 – $24,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 13 Months – 17 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 13 Months – 17 Months	Interest Rate 2.00%	APY^* 2.02%
Minimum Opening Deposit $250,000.00+	Term (Months) 13 Months – 17 Months	Interest Rate 2.00%	APY^* 2.02%
Minimum Opening Deposit $500 – $24,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 18 Months – 23 Months	Interest Rate 1.75%	APY^* 1.77%
Minimum Opening Deposit $250,000.00+	Term (Months) 18 Months – 23 Months	Interest Rate 2.00%	APY^* 2.02%
Minimum Opening Deposit $500 – $24,999	Term (Months) 24 Months – 35 Months	Interest Rate 0.75%	APY^* 0.75%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 24 Months – 35 Months	Interest Rate 0.75%	APY^* 0.75%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 24 Months – 35 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 24 Months – 35 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $250,000+	Term (Months) 24 Months – 35 Months	Interest Rate 1.50%	APY^* 1.51%

Long-Term Consumer Certificate of Deposit (Terms from 35+ months)
Minimum Opening Deposit	Term (Months)	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. * APY means annual percentage yield. All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change. Minimum opening deposits apply on the following interest bearing accounts: $25 for all savings accounts; $100 for prime and interest checking; $1000 for Premier Checking and personal money market accounts; $500 for CDs and IRAs; $100 for Bear at the Bank CD. A penalty may be imposed for early withdrawal on CDs and IRAs.
Minimum Opening Deposit $500 – $24,999	Term (Months) 36 Months – 47 Months	Interest Rate 0.75%	APY^* 0.75%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 36 Months – 47 Months	Interest Rate 0.75%	APY^* 0.75%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 36 Months – 47 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 36 Months – 47 Months	Interest Rate 1.25%	APY^* 1.26%
Minimum Opening Deposit $250,000+	Term (Months) 36 Months – 47 Months	Interest Rate 1.50%	APY^* 1.51%
Minimum Opening Deposit $500 – $24,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.35%	APY^* 0.35%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.40%	APY^* 0.40%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.40%	APY^* 0.40%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 48 Months – 59 Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $250,000+	Term (Months) 48 Months – 59 Months	Interest Rate 0.55%	APY^* 0.55%
Minimum Opening Deposit $500 – $24,999	Term (Months) 60+ Months	Interest Rate 0.40%	APY^* 0.40%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 60+ Months	Interest Rate 0.45%	APY^* 0.45%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 60+ Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 60+ Months	Interest Rate 0.60%	APY^* 0.60%
Minimum Opening Deposit $250,000+	Term (Months) 60+ Months	Interest Rate 0.60%	APY^* 0.60%

Bear at the Bank CD – Children
Minimum Opening Deposit	Term (Months)	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. ^*APY means annual percentage yield. All rates and tiers for Checking, Savings, Money Market, CD and IRA products are as of the Effective Date and are subject to change. Minimum opening deposits apply on the following interest bearing accounts: $25 for all savings accounts; $100 for prime and interest checking; $1000 for Premier Checking and personal money market accounts; $500 for CDs and IRAs; $100 for Bear at the Bank CD. A penalty may be imposed for early withdrawal on CDs and IRAs.
Minimum Opening Deposit $100 – $24,999	Term (Months) 12 Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $25,000 – $49,999	Term (Months) 12 Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $50,000 – $99,999	Term (Months) 12 Months	Interest Rate 0.50%	APY^* 0.50%
Minimum Opening Deposit $100,000 – $249,999	Term (Months) 12 Months	Interest Rate 0.55%	APY^* 0.55%
Minimum Opening Deposit $250,000+	Term (Months) 12 Months	Interest Rate 0.60%	APY^* 0.60%

Open a Certificate of Deposit

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Explore Other Accounts

Individual Retirement Accounts (IRAs)

No matter where you are in your career, it’s never too early or too late to start saving for retirement. We don’t charge initial set-up fees or annual fees, so you keep more of your investment.

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Money Market Accounts (MMAs)

MMAs come with tiered interest rates and the convenience of accessing your money by writing a check.

Learn more