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Current CD rates and terms at Bank Of The West. You can often get higher than advertised rates at your local branch if you do your homework. Print out our "Highest CD Rate Survey" and bring it in with you. Print out some of the advertisement of rates advertised on your bank's competing web sites so you have proof.  Bottom line: It never hurts to ask the teller if better rates are available when you do your homework!     We moved our most current updates to Bank of the West CD Rates

  ==> " CD Rates at Bank of the West " as of 3/17/12 web site <==

They currently keep their CD rates hidden to online users but they do list their savings rates.  If these low savings account rates are any indication, you would do better to look at the Best Savings Account Rate Survey for better rates.

Balance Tiers Rate APY
$2,499 and below 0.05% 0.05%
$2,500 to $9,999 0.05% 0.05%
$10,000 to $24,999 0.20% 0.20%
$25,000 to $49,999 0.40% 0.40%
$50,000 to $99,999 0.40% 0.40%
$100,000 to $249,999 0.40% 0.40%
$250,000 to $499,999 0.30% 0.30%
$500,000 to $999,999 0.30% 0.30%
$1,000,000 and up 0.30% 0.30%

For better savings rates, see our Best Savings Account Rate Survey

Article: Beware of Annuities

From Bank of the West web site: 
J. D. Power and Associates recently ranked us “Highest in Customer Satisfaction with Retail Banking in the West Region” based on feedback from you. After all, unlike a lot of banks, we've always focused on our customers—from our friendly personal service to innovative products like our FREE Interest Checking account. That's what happens when you put customers first—they return the favor. So thanks. This is one trophy that's definitely yours. To experience our great service, stop by one of our branches.

Bank of the West received the highest numerical score among retail banks in the West (CA, OR, WA) region in the proprietary J.D. Power and Associates 2008 Retail Banking Satisfaction StudySM. Study based on a total of 19,602 responses measuring 7 providers in the region and measures opinions of consumers with their primary banking provider. Proprietary study results are based on experiences and perceptions of consumers surveyed in January 2008. Your experiences may vary. Visit jdpower.com. The West region includes: California, Oregon, and Washington.

Definition:  A Certificate of Deposit or CD is certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest.  Often there is a penalty for early withdrawal (taking your money out before the specified period of time.)

Definition:  A Liquid Certificate of Deposit gives you a CD rate that is usually better than most checking accounts while allowing more fluid access to your money.  That is you can take money out of the CD before it matures.  They usually pay higher rates than the offering bank's money market account but not the top rates of CDs held to the full term.  They are sort of "half and half" and thus offer rates that are inbetween the two.

Rates and terms may change at any time.  Contact the  bank for their current rates.

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