Personal Savings & Certificates of Deposit

Reaching your goals is easy when you have competitive rates and savings accounts that make sense for your individual needs. No matter what kind of saver you are, or what you’re saving for, we have options for you.

Personal Savings Products

Find the Right Savings Account for You

Save for your needs today and your dreams tomorrow. With competitive rates and other benefits, our savings products can help you achieve more.

Statement Savings1

An account for extra cash or short-term savings.

  • Competitive variable rate
  • Unlimited in-person withdrawals at our branches or ATMs
  • Interest compounded daily and paid quarterly
  • $100 Minimum to Open
  • No monthly service charge with minimum daily balance of $300 – otherwise $5 per month
  • Personal Online Banking

Money Market Checking1

Earn more interest for your higher balances.

  • Variable tiered interest rates
  • Unlimited in-person withdrawals at our branches or ATMs
  • Write up to six checks a month for added flexibility
  • $100 Minimum to Open
  • No monthly service charge with average daily balance of $2,500 – otherwise $14 per month, less $4 a month with e-Statements3
  • Personal Online Banking
  • Both standard and Premier Money Market accounts are available

Certificates of Deposit (CDs)2

Enjoy a long-term savings option.

  • Competitive Rates
  • Fixed rate accounts with maturities from 30 days through five years
  • Opening deposit of $2,500 for standard CDs
  • No additional deposits until maturity
  • Personal Online Banking

13-month CD
Private Bank 6-month CD5

Grow your money with promotional rates

Put your savings to work with a fixed rate certificate of deposit. Great rates and flexible terms. Open with as little as $2,500.

Explore certificates of deposit

We Don’t Just Do Savings

We are a full-service community bank and offer a suite of banking, borrowing and wealth management products and services.


Take advantage of great rates for purchasing and refinancing.


Access exceptional features, convenience and perks.

Wealth Management

Create plans to secure your and your family’s future.

Accounts are subject to approval. The terms of the account, including any fees or features, may change. See the Deposit Account Agreement and Account Terms and Conditions Schedule of Fees and Charges for the terms and conditions associated with the product.

1 You are limited to a total of six withdrawals and/or transfers per month or statement period by means of preauthorized, automatic or telephone transfers, debit card, or check (for accounts with check privileges). Transfers to other Fremont Bank accounts are counted as part of the six-transaction limit. A $15 excessive transaction fee applies to each withdrawal or transfer over six per month, regardless of account balance. Please see the Deposit Account Agreement for balance requirements and transaction limitations.

2 Penalty will be imposed for early withdrawal. An early withdrawal will reduce earnings. Fees may reduce earnings. At maturity, account will automatically renew at a term as stated in your initial account agreement at the then current rate. Please see the Deposit Account Agreement for details.

3 e-Statements (electronic statements) are free but you must enroll in Online Banking and have a working connection to the internet with email capability. If you cancel e-Statements, your account will be subject to the paper statement fee beginning with the end date of the statement period in which e-Statements are canceled.

4 The Annual Percentage Yield (APY) is accurate as of 8/31/2022 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. 13-month CDs will automatically renew into a standard 12-month CD 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.

5 Private Bank Rates are available to Private Bank status customers only. Requires a Premier Checking account and combined consumer balances of $250,000 or more.