From our market-leading 5.25% APY Accelerate Savings to guaranteed-return CDs paying up to 5.60% APY, Oxnard gives you the tools to build real wealth — safely, predictably, and with the peace of mind only FDIC insurance can provide.
Whether you're building an emergency fund, saving for a down payment, or laddering CDs for retirement income — we have a savings vehicle engineered to deliver maximum return with absolute safety.
5.25% Annual Percentage Yield on every franc, from your first penny to your last. No fees, no minimums, no tiered hoops. Just pure, compounding growth.
Lock in a guaranteed, fixed rate for terms ranging from 3 months to 5 years. Enjoy returns up to 5.60% APY, backed by the full faith of FDIC insurance.
The best of both worlds: high-yield savings combined with limited check-writing privileges and a free ATM card. Access your earnings without sacrificing growth.
Combine the power of Premier Checking with Accelerate Savings and unlock the full 5.25% APY automatically. Build a complete financial relationship with one trusted partner.
Oxnard savings products are consistently ranked among the highest-yielding in the nation by Bankrate, NerdWallet, and Kiplinger's. Rates update daily to ensure you always earn our very best.
Our flagship high-yield savings account — named "Best Online Savings Account of 2026" by NerdWallet. Earn a flat 5.25% Annual Percentage Yield on every franc, regardless of balance tier. No minimum to open. No monthly service fee. No hidden requirements. Just your money, compounding daily and growing faster than traditional banks by a factor of 10x or more.
Lock in today's high rates for tomorrow's goals. Oxnard Certificates of Deposit offer fixed, guaranteed returns that will never fluctuate during your chosen term. Perfect for CD laddering, earmarked savings, retirement distributions, or any goal where you know your timeline and demand predictable, risk-free returns. Backed 100% by FDIC insurance.
The ideal hybrid account for those who want aggressive savings growth combined with the liquidity of a checking account. Earn 4.80% APY while enjoying limited check-writing privileges, a free ATM card for instant cash access, and the option to pay bills directly from your savings. Perfect for your emergency fund, vacation planning, or down-payment savings where timing matters.
The complete financial relationship. Open Premier Checking with Accelerate Savings and enjoy zero monthly fees on both, unlimited worldwide ATM fee rebates, 5.25% APY savings, preferred pricing on mortgages and personal loans, complimentary checks, and a dedicated priority service line. Everything works together, seamlessly.
Rates update daily — guaranteed from the moment you fund your CD. All terms below require only CHF 500 to open and are fully FDIC insured.
Our highest-yield term. Ideal for short-term goals and laddering.
Lock in an exceptional rate for a full two years.
Long-term guaranteed growth for retirement planning.
Short-term parking for funds you'll need soon.
Temporary home for funds awaiting deployment.
Three years of predictable, guaranteed returns.
The gold standard in high-yield savings. Flat 5.25% APY on every franc.
Traditional savings for every checking customer.
Built for ages 17–24. Start your savings journey early.
High yield + check writing + ATM access in one place.
Premium tier for larger balances. Private Client eligible.
A complete, apples-to-apples comparison of every Oxnard savings product so you can choose with full clarity and complete confidence.
| Feature |
Accelerate Savings
Open
|
12-Month CD
Open
|
Money Market
Open
|
Premier Money Market
Open
|
|---|---|---|---|---|
| Current APY | 5.25% — All balances, flat rate | 5.60% — Fixed for 12 months | 4.80% — Balances CHF 1k+ | 5.00% — Balances CHF 25k+ |
| Minimum to Open | CHF 0 | CHF 500 | CHF 1,000 | CHF 25,000 |
| Interest Compounding | Daily, paid monthly | Daily, paid monthly or maturity | Daily, paid monthly | Daily, paid monthly |
| Monthly Service Fee | CHF 0 — Always, no conditions | CHF 0 — Never | CHF 10 — waived w/ CHF 5k balance | CHF 0 — waived w/ CHF 25k balance |
| Minimum Balance Requirement | None — ever | CHF 500 minimum throughout term | CHF 1,000 to earn full APY | CHF 25,000 to earn full APY |
| Withdrawal Access | Up to 6 free withdrawals/month | Locked until maturity (penalty applies) | 6 withdrawals + 3 checks/month | 6 withdrawals + 6 checks/month |
| Check Writing | No — savings transfers only | No — principal locked in CD | Yes — 3 checks per month (CHF 250 min.) | Yes — 6 checks per month (CHF 250 min.) |
| ATM Card Available | Optional, free | No | Yes — included free | Yes — premium card, free |
| FDIC Insurance | ✓ Up to CHF 250,000 per depositor | ✓ Up to CHF 250,000 per depositor | ✓ Up to CHF 250,000 per depositor | ✓ Up to CHF 250,000 per depositor |
| Best Used For | Emergency fund, flexible goals | Known timeline, guaranteed returns, CD laddering | Emergency fund needing check access | High net worth, premium access, concierge |
No branch visit. No paperwork. No waiting. From application to funding to interest accrual — everything is digital, secure, and immediate. Your first day's interest starts compounding from the moment your deposit clears.
At 5.25% APY, a CHF 10,000 emergency fund earns over CHF 530 in interest in just 12 months — compared to barely CHF 46 at the national average. The difference is real money. Open your account today and let your money finally work as hard as you do.