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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, and  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

Select 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 variety of terms from one month to five years to suit your needs.

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.

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 CD may be used for your IRA investment. Choose a term, from one month to five years.
  • Add to CD in amounts of $100 or more at any time.



*APY (Annual Percentage Yield) effective July 5, 2016 and is subject to change. Offer ends 9/30/2016. $500 minimum balance required to open and obtain the advertised APY. Entire balance must be new money, funds not previously on deposit at HomeStreet Bank within the past six months. Available for personal, business or IRA (Individual Retirement Account) CDs. The maximum balance is $240,000 per CD. Customer can have multiple CDs. Penalty may be assessed for early withdrawal. Fees could reduce earnings on the account. During the term of your Bump-Up certificate of deposit you are permitted, at your discretion, to make a one-time request to adjust your interest rate to the then-current rate on HomeStreet Bank’s regular 24-month CD. HomeStreet Bank makes no guarantee that you will ever be able to exercise this option since we have no way of predicting future interest rates. Offer subject to change without notice and may be withdrawn at any time. Rate is subject to change or may change at any time.