Don't settle for a short-term low rate. Open a Peace of Mind Certificate account today and earn a high 3-year rate of return (minimum initial deposit - $5,000).

Take advantage of potential rate increases. On each annual rate adjustment date, your rate can only go up or stay the same. Your interest rate can not go down.

The Peace of Mind CD interest rate is just 0.25% less than Pacific Trust Bank's always competitive published 3-year fixed-rate CD. But, if interest rates go up, your Peace of Mind CD rate will increase automatically. Click Here for our current rates.

Combine your maturing CDs into one higher-rate account. You can add funds to your Peace of Mind account balance as often as you desire during the first year (in amounts of $1,000 or more).

When you add funds to your Peace of Mind account, your CD interest rate and maturity date remain unchanged, but the larger account balances could earn a higher rate upon each annual rate adjustment.

Interest earned is compounded and paid monthly. Interest may be added to the principal of the CD, deposited directly to your Pacific Trust Bank account, or paid by check.

The Peace of Mind Certificate Account is also available for IRA accounts.

This CD is FDIC insured to at least $100,000 per depositor , and is automatically renewable. A substantial penalty is imposed for early withdrawal. See our "Truth-In-Savings" account disclosure for more details.