Chabot Savings Certificates

If you want to earn a higher interest rate than you get with most savings accounts, a Certificate can make that happen. When you commit to keep your money invested for a certain amount of time (6 to 60 months), you may face a penalty for early withdrawal, but you can earn higher interest if your money is invested for a set amount of time. A Certificate can help you save money for specific purposes, and you avoid the temptation of withdrawing it at any time. Investing for your future has never been easier.

Chabot Certificate Account Benefits:

  • Liquidity: Have your cash available to you at frequent intervals

  • Flexibility: Decide how you want to split up your investments

  • Better interest rates: Choose from longer-term CDs with higher rates

  • Growth: Watch your certificates mature and increase on a regular basis

  • Peace of mind: If rates go down, money invested in long-term Certificates can still earn higher rates with no loss of principal

Opening Deposit Requirement Available Terms Dividend Rate Monthly Service Fee
$500* 6 – 60 months Up to 1.51% NO

*The minimum deposit required to open your Share Certificate or IRA Share Certificate is $500; with the following requirements: Must be enrolled in Online Banking or Mobile Banking and receive statements electronically via eStatements. Otherwise, the minimum deposit required is $5,000. You must maintain the minimum balance (i.e.: $500 or $5,000) and required services in order to maintain the Annual Percentage Yield stated on the Rate Schedule and to avoid closure.


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Get started on your nest egg by becoming one of our members, and learn how much more you can save with our savings accounts.

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Get more from your money by opening a savings account, and see how easily you can build up your savings.



Stay connected 24 hours a day, 7 days a week with Chabot mobile banking, and see how easy it is to watch your savings grow.