Savings, CDs & Retirement

Savings & Money Market Accounts

You'll find a complete range of savings and money market options –– from classic savings, kids savings, and holiday savings accounts, to health savings accounts (HSAs) and Money Market Accounts. All our savings options feature competitive rates and easy access to funds by check or VISA^® check card.

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Certificates of Deposit (CDs)

Optimize your earnings with a guaranteed interest rate and choice of maturity terms from 30 days to 5 years.

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Retirement Services

Rely on Rabobank for a complete range of retirement and investment accounts — along with knowledgeable advice and guidance from our local bankers. We offer traditional IRAs, Roth IRAs, Rollover IRAs, and IRA Certificates of Deposit (CDs).

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Coverdell Education Savings

It’s never too early to start saving for education expenses. Whether you’re a parent, grandparent, or family friend, make sure the student in your life will have the funds they need for school — with our Coverdell Education accounts.

Learn more >

Need help with your savings strategy? Count on your local Rabobanker to help you choose the right accounts to meet your financial goals and situation.

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The Rabobank Advantage

Compare Our Rates

Check today's rates on our Savings accounts, Money Market accounts, and CDs.

Save on Fees

With Rewards Banking, there’s no monthly maintenance fee on a Personal Savings account.

Earn Higher Rates

Make your savings grow faster with increased APYs on qualified Rewards Banking CDs and Personal Money Market accounts.

Build Your Savings Automatically

Set up automatic transfers and watch your balances grow.

Free Online & Mobile Banking

Bank anytime, anywhere with your computer or mobile device. You can even deposit checks using the camera of your smartphone.

Convenient ATM & Branch Locations

In addition to our branch ATMs statewide, we have partnered with the Allpoint® ATM Network to give you access to over 55,000* ATMs in the U.S. and internationally.

*Subject to change without notice. Deposits may only be made at Rabobank ATMs. ATM transactions outside the U.S. are subject to an international service assessment.

Get Started

Apply Online

Call (760) 922-4131

Request a Consultation

Visit the Blythe Branch

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Compare Our Accounts	Personal Savings	Minor Savings	Holiday Saver	Personal Money Market	Personal Certificate of Deposit
Basic Information
Online Application	Apply Now			Apply Now
Monthly Maintenance Fee	$12 per quarter	None	None	$10	N/A
Minimum Opening Deposit	$100	$1	$20	$100	$2,500
Interest Earning	Yes	Yes	Yes	Yes	Yes
Fees Waived If
Average collected balance is at least:	$300	N/A	N/A	$2,500	N/A
Account Features
Free VISA® Check Card	Yes	Yes at age 16*	N/A	Yes	N/A
Balances may be used to waive checking account service charges	Yes	Yes	Yes	Yes	Yes
Other Benefits	Can be linked to Rabobank checking for overdraft protection	No minimum balance required	No minimum balance required Disbursements in November to Rabobank account	Earns money market interest rates (tiered)	Interest paid monthly, quarterly, annually or at maturity. Interest may be added to certificate balance or deposited to a Rabobank checking or savings account
Special Requirements
Limited to 6 transactions per month (withdrawals, checks, debits, transfers)	Yes	Yes	N/A	Yes	N/A
Fee for excess transactions	$5 per item	$5 per item	N/A	$15 per statement cycle	N/A
Other requirements		Must be between ages 5 and 18 Joint account with at least one parent required	Automatic transfer from Rabobank checking or savings account No partial withdrawals		Terms from 30 days to 60 months Penalties apply for early withdrawal Automatic renewal for same term at prevailing interest rate
Online Application	Apply Now			Apply Now

Please refer to the Understanding Your Deposit Account Agreement & Disclosures brochure for complete information about the terms and conditions that apply to deposit accounts and services. Refer to the Summary of Deposit Rates Offered for current interest rates.

*With parental authorization.

How to Avoid Fees

Every month, we'll review your banking relationship and automatically determine your rewards level - Bronze, Silver, Gold, or Platinum.
If you qualify for a higher rewards level, you'll automatically move up to that level. If you qualify for a lower level, you'll have a grace period of 30 days before you move to the lower level - giving you a month to increase your balance or services, and maintain or move up to the next rewards level.
You're always in control of your rewards level. So if you want to take advantage of a specific reward - for example the best interest rate discount on a home equity loan to remodel your kitchen - simply choose one of three options to qualify for Platinum level.

With Rewards Banking, it's easy to avoid monthly maintenance fees. All you need to do is:

Sign up for Direct Deposit AND three other services, such as eStatements, Online Banking, or eBills
OR
Maintain a $1,000 minimum daily checking balance, or a $10,000 combined balance of all deposit accounts

3 ways to qualify for a Rewards Level		Bronze Level	Silver Level	Gold Level	Platinum Level
Option 1¹	Set up monthly direct deposits of $500+ AND choose three of the following minimums from the same rewards level:
	Online Bill Pays each month	-	1	5	10
	Have a Rabobank credit card	-	Yes	Yes	Yes
	Debit card purchases each month	-	10	25	50
	Receive a monthly eBill	-	Yes	Yes	Yes
	Consumer loan minimum balance(s)	-	$50,000	$100,000	$250,000
	eStatements instead of paper statements each month	-	Yes	Yes	Yes
	Minimum number of continuous years you’ve been a Rabobank customer (includes your time as a customer of Rabobank's predecessor banks)	-	5	10	15

Option 2	Maintain an average monthly checking account balance of at least:	No minimum	$1,000²	$5,000	$25,000

Option 3	Maintain a combined monthly balance of all deposit accounts of at least:	No minimum	$10,000	$50,000	$100,000

¹ This option not available for Rewards Banking with interest checking.

² Rewards Banking with interest checking requires $2,500 average monthly balance.
to qualify at the Silver level.

Rewards Banking

Benefits Comparison¹	Silver Level	Gold Level	Platinum Level
Increase to APY on Rabobank Rewards Banking CDs²		+0.10%	+0.20%
Increase to APY on Rabobank Personal Money Market Accounts²		+0.10%	+0.20%
Checking account with no monthly maintenance fee^3,4
Personal Savings account with no monthly maintenance fee ($200 opening balance required)
Unlimited check writing
Visa® debit card
Mobile and online banking with Bill Pay
eStatements
Cashier's checks (limits may apply)*
24 hour account information
Special rate discounts on Rabobank personal loans when enrolled in automatic payments from Rewards Banking checking account⁵	0.10%	0.15%	0.25%
Appraisal fee discounts on a Rabobank home mortgage (first lien)⁶	$200	$350	Up to $750 off a home appraisal fee⁶
Discount on annual Rabobank safe deposit box rental fee	$10	$15	$20
Monthly rebates of Rabobank fees when using other banks’ ATMs⁷	1	5	Unlimited
Monthly overdraft fee reimbursement⁸		1	2

Rewards Checking with Interest

For customers who seek to earn interest on their checking account.
$2,500 average monthly balance required to waive maintenance fee.

Apply Now

The minimum opening deposit for all accounts is $100⁹.

For accounts in a “non-owned” account type classification, only the maintenance fee waiver benefit will apply. None of the other Rewards Banking program benefits are available for “non-owned” accounts. See Rewards Banking Customer Guide for more information on “non-owned” account type classifications.
The increase to the APY will apply only as long as the account remains at the Gold or Platinum level. If the account falls into a lower Rewards level, the APY will revert to the normal Rewards Banking CD APY or Personal Money Market APY. The amount of the APY increase is subject to change. Refer to the Rabobank Summary of Deposit Rates Offered for current APYs.
See Schedule of Fees and Minimum Balances for monthly maintenance fee for Bronze level Rewards Banking checking and Rewards Banking with Interest checking accounts. The maintenance fee waiver is the only benefit available for accounts in a “non-owned” account type classification and is available only when the account is at a Silver, Gold or Platinum level.
Maintenance fee for Rewards Banking checking (non-interest bearing account) is waived when the primary customer is at least 60 years of age, regardless of level.
See page 4 of the Rewards Banking Customer Guide for a definition of personal loans.
Appraisal fee amounts over $750 must be covered by the borrower.
Rebates do not apply to fees charged by non-Rabobank ATM operator or any network used.
Excludes daily overdraft charges and transfer fees. See page 6 of the Rewards Banking Customer Guide for additional details.
Personal Savings Account associated with Rewards Banking requires a $200 minimum opening balance.

* See Schedule of Fees and Minimum Balances for cashier's check fee details.

Checking	Home Equity, Auto and Personal Loans
Savings & CDs	Credit Cards
Home Loans	Wealth Management

Checking	Home Equity, Auto and Personal Loans
Savings & CDs	Credit Cards
Home Loans	Wealth Management

Savings Accounts
Personal Savings Apply Now
Money Market Accounts
Personal Money Market Account Apply Now

Whatever your goals are, it’s easy to start saving for them

Savings, CDs & Retirement

Savings & Money Market Accounts

Certificates of Deposit (CDs)

Retirement Services

Coverdell Education Savings

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