Certificates of Deposit (CDs)

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 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.

2 The Annual Percentage Yield (APY) is accurate as of 07/01/2025 for balances between $2,500 and $1,000,000 and is subject to change without notice. Initial Deposit must be from a Financial Institution other than Fremont Bank; new money only. If opening in combination with funds already on deposit at Fremont Bank, $50,000 or more in new money is required. Fixed Rate Certificate of Deposit (CD) accounts earn a fixed interest rate for the selected term and the applicable rate is paid until the CD matures. Interest is compounded and credited to the account on a monthly basis. The APY assumes interest remains on deposit until maturity. If account is closed before the interest is credited, you will not receive the accrued interest. Unless the Bank notifies you of a change in terms, at maturity, Promotional CD will automatically renew into a standard CD account with the same term at the rate and APY then in effect for standard CD accounts. The 3-Month Promotional CD will automatically renew into a standard 3-Month CD account. Please see Fremont Bank's Deposit Account Agreement and Schedule of Fees and Charges for additional terms and conditions that apply to your account. Promotional Certificate of Deposit accounts require a corresponding Fremont Bank Checking account open and in good standing at the time of account opening. Checking account may be opened concurrently with Promotional CD account. Limit one promotional account per household.

3 The Annual Percentage Yield (APY) is accurate as of 07/01/2025 for balances between $2,500 and $1,000,000 and is subject to change without notice. Initial Deposit must be from a Financial Institution other than Fremont Bank; new money only. If opening in combination with funds already on deposit at Fremont Bank, $50,000 or more in new money is required. Fixed Rate Certificate of Deposit (CD) accounts earn a fixed interest rate for the selected term and the applicable rate is paid until the CD matures. Interest is compounded and credited to the account on a monthly basis. The APY assumes interest remains on deposit until maturity. If account is closed before the interest is credited, you will not receive the accrued interest. Unless the Bank notifies you of a change in terms, at maturity, Promotional CD will automatically renew into a standard CD account with the same term at the rate and APY then in effect for standard CD accounts. The 5-Month Promotional CD will automatically renew into a standard 6-Month CD account. Please see Fremont Bank's Deposit Account Agreement and Schedule of Fees and Charges for additional terms and conditions that apply to your account. Promotional Certificate of Deposit accounts require a corresponding Fremont Bank Checking account open and in good standing at the time of account opening. Checking account may be opened concurrently with Promotional CD account. Limit one promotional account per household.