CDs, IRAs, HSAs and more

Smart People want Smart Choices, because banking is about more than just checking and savings accounts.  As a full-service community bank, we offer all the options you’d expect at a big bank from bankers who know you by name and can help you pick the best products and services to meet your needs.

Certificate of Deposit (CD)

Enjoy more peace of mind with guaranteed savings*. Certificates of deposit earn you competitive interest at a fixed rate.

Tiers:

  • $1,000-$4,999.99
  • $5,000-$19,999.99
  • $20,000-$49,999.99
  • $50,000-$99,999.99
  • $100,000-$499,999.99
  • $500,000+

*Penalties may apply for early withdrawals

Individual Retirement Account (IRA)

It's never too late or too early to start saving for retirement. An IRA can help ensure a comfortable retirement with tax-advantaged* savings that pay higher earnings than a standard savings account.

Tiers:

  • $1,000-$4,999.99
  • $5,000-$19,999.99
  • $20,000-$49,999.99
  • $50,000-$99,999.99
  • $100,000-$499,999.99
  • $500,000+

*Consult a tax advisor for more information
**Penalties may apply for early withdrawals

Certificate of Deposit Account Registry Service (CDARS)/Insured Cash Sweep (ICS)

The Certificate of Deposit Account Registry Service® (CDARS®)/Insured Cash Sweep® (ICS®)* is a convenient way to access FDIC insurance on multi-million-dollar deposits. As a member of the Promontory Network, we are able to provide customers with FDIC insurance up to $50 million.

*CDARS®, Certificate of Deposit Account Registry Service®, ICS®, and Insured Cash Sweep® are registered service marks of Promontory Interfinancial Network, LLC.

Health Savings Account (HSA)

Invest in your physical and financial health. HSAs grant you tax advantages* on funds set aside for medical expenses if you have a high-deductible insurance plan. Funds contributed to the account are not subject to income tax at the time of deposit, and accrue interest until you use them for qualified healthcare costs.

Additional Options:

  • Paper statements - $5/month

*Consult a tax advisor for more information

Safe Deposit Box

Keep your important documents safe from fire, flood, theft, and tampering. We offer a variety of sizes at our downtown Santa Barbara and Montecito offices.

  • 3x5*
  • 3x10
  • 5x5*
  • 5x10
  • 10x10

*Downtown branch only