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CDs & IRAs

No matter what your savings objective, HomeStreet Bank has a program that will suit your needs. Choose from a variety of CD options, traditional and Roth IRAs.

CD Accounts

The following information will help you decide which certificate of deposit (CD) account is best for you. For additional information, please contact one of our bank branches.

Custom CDs

open an accountSelect the term length that makes the most sense for your savings objectives. To view current interest rates and terms for CDs, please see our rates.

  • Open with a minimum balance as low as $500.
  • Choose from a veriety of terms from 1 month to 5 years to suit your needs.

Bump Option CD

This CD provides the ability to "bump" (increase) your interest rate one time during the term of the CD to match the current Custom CD interest rate for the same term and amount.

  • Open with $5000 or more.
  • Choose a 12– or 18–month term

Set Your Own Goal CD

An easy way to reach a savings goal for a special purpose, such as a special trip or a child's education. You set your own target amount to save.

  • Open with a balance of $100 or more.
  • Add to this CD anytime in amounts of $25 or more.
  • When your own pre–determined savings goal is reached, you can cash in the CD without a penalty.

Home Purchase CD

This two–year term CD is an easy way to save for the down payment and closing costs for the purchase of a home. When you are ready to buy your home, just present your Purchase and Sale Agreement (earnest money agreement) and you can withdraw your balance without penalty. You may also be eligible for special loan fee reductions if you finance the purchase of your home through HomeStreet® Bank.

  • Open with $100 or more.
  • Add to this CD anytime in amounts of $25 or more.

Jumbo CD

When you have $100,000 or more to invest

  • Open with $100,000 or more.
  • Choose a term ranging from 30 to 365 days.

Individual Retirement Account (IRA) CD

This is an excellent way to save for your retirement years with an account that provides tax advantages.

  • Open with $500 or more.
  • Any Custom or Bump Option CD may be used for your IRA investment. Choose a term, from 1 month to 5 years.
  • Add to CD in amounts of $100 or more at any time.

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