* Each tier shown reflects the balance required to obtain the applicable Annual Percentage Yield (APY).
** The Annual Percentage Yield (APY) is accurate as of 07/22/2025 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. 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.
1. Promotional Certificate of Deposit accounts require a corresponding Fremont Bank Checking account open and in good standing at the time of account opening. Initial Deposit must be from a Financial Institution other than Fremont Bank; new money. If opening in combination with funds already on deposit at Fremont Bank, $50,000 or more in new money is required. Checking account may be opened concurrently with Promotional CD account. Limit one promotional account per household. Unless the bank notifies you of a change in terms, at maturity Promotional CD accounts will automatically renew into a standard CD account with the same term at the rate and APY then in effect for standard CD accounts.
5-Month and 7-Month Promotional CDs will automatically renew into a standard 6-Month CD account.
10-Month Promotional CD will automatically renew into a standard 9-Month CD account.
11-Month and 13-Month Promotional CDs will automatically renew into a standard 12-Month CD account.
2. Premier Rates are available to customers with a linked Premier Checking Account and qualifying balances of $50,000 or more.
3. Premier Relationship CD requires clients to maintain balances of $50,000 or more in linked Premier Checking/Money Market accounts and establish/maintain recurring direct deposit of $1,000 or more to linked Premier Checking account.
Clients will have 45 days from the date of CD opening to establish qualifying direct deposit. If direct deposit is not established within 45 days, clients rate will adjust to standard Premier 6 Month CD rate in effect at the time of account opening. Additionally, if at any point during CD term clients fail to maintain qualifying balances or direct deposit, interest rate will be adjusted to standard Premier 6 Month CD rate in effect at the time of account opening. The new interest rate and APY will apply to the remaining term of your CD. The new interest rate will be effective as of the calendar day after the last accrued interest has been credited.
Qualifying Direct Deposit includes your salary, pension, Social Security or other regular monthly income electronically deposited to your account. Transfers from one account to another, or deposits made at a branch or ATM, do not qualify as a Direct Deposit.”
