Thank you for visiting American River Bank. Please note this site is not fully compatible with screen readers.  We are available from 9am-5pm to assist via telephone at (800) 544-0545 or via email at We look forward to serving you.
We're Strong and Stable
American River Bank has been profitable every full year since we were founded in 1983.  We offer our insight into financial stability to help our clients be profitable as well. 

CD Options

A Certificate of Deposit can be utilized for both short- and long-term savings goals.  A CD is best suited for funds that can be set aside for a fixed period of time without access. 

Account Benefits
  • Wide range of terms–from one month to five years
  • $2,500 minimum
  • Tiered rates fixed on length of term
  • Manage account 24/7 through FREE online banking and Access 24 telephone banking
  • FDIC insured up to the maximum permitted by law
  • Mobile Banking available on the American River Bank Mobile App

  • No monthly service charge
  • Penalty for early withdrawal

Is your CD ready to mature?   Contact a Business Banking Expert
Give us a call. Or drop by. One of our delightful & very helpful employees would love to help you decide what’s next. 
Ready to reinvest? Great, we’ll set a new term and rate.
Changes in cash flow? Have your funds deposited into a business money market account for immediate access yet still earn a competitive interest rate.

Calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator or contact your local branch office today. For more information, visit .
  1. See our Deposit Account Agreement or Other Service Fees brochure for further information.
  2. Consult a Representative for current interest rates and Annual Percentage Yield information.
  3. Government regulation limits the number of pre-authorized withdrawals from a money market or savings account to 6 per monthly statement period.
  4. $5 fee for each excessive transfer for savings accounts and $10 fee for each excessive transfer for money market accounts. Account is subject to closure upon 3rd instance of excessive transactions in a 12-month rolling period.
  5. There is a $5.00 fee for each transfer.
  6. Savings and money market accounts not tied to a checking account are eligible for an ATM card only. Savings and money market accounts that are tied to a checking account will have access to a debit card.