Visalia Community Bank is a community bank headquartered in Visalia, California that provides financial services to individuals and businesses, including transaction accounts, deposit accounts, loans and internet banking.  Visalia Community Bank is Visalia’s oldest independent and locally owned financial institution.  The bank has four community bank branches in Visalia, one bank branch in Exeter and a home loan center in Visalia.

For consumers looking for a safe place to invest, the bank has created an opportunity with their certificates of deposit.  For those interested in investing for three months or five years, Visalia Community Bank’s CDs earn a competitive rate and your investment stays FDIC insured.  There is a minimum deposit required of $2,500.00 for the bank CDs.  CD interest is compounded daily.

Current CD rates and terms for deposits of $2,500.00 to $24,999.00:

1 month CD rate is 0.60% 
3 month CD has an interest rate of 0.90% 
6 month CD yields a rate of 1.21%
9 month CD also earns an interest rate of 1.21%
1 year CD rate is 1.41% 
18 month CD has a rate of 1.41% as well
2 year CD rate is 1.82% 
3 year CD earns an interest rate of 1.92% 
4 year CD has a rate of 2.02% 
5 year CD rate is 2.33% 

Current CD rates and terms for deposits of $25,000.00 to $49,999.00:

1 month CD has a rate of 0.70% 
3 month CD interest rate is 1.01% 
6 month CD earns a rate of 1.31%
9 month CD also yields a rate of 1.31%
1 year CD rate is 1.61% 
18 month CD has the same rate of 1.61%
2 year CD rate is 1.92% 
3 year CD has an interest rate of 2.02% 
4 year CD earns a rate of 2.22% 
5 year CD rate is 2.53% 

The interest rate and annual percentage yield will not change for the term on the bank certificate of deposit accounts.  Annual percentage yield (APY) assumes daily compounding of interest and funds remaining on deposit for one full year.  There is a penalty for early withdrawal.  Withdrawals could reduce the earnings of the account.

CD rates subject to change and additional conditions may apply.  For current CD rates and account details contact a bank representative at 559-625-8733.  Visalia Community Bank maintains a website that posts timely bank rate information as well additional account information, the bank web address is www.vcb.com.

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