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California First National Bank is an internet-only bank with no branches.

California First National Bank is an internet-only bank with no branches.

California First National Bank is an internet-only bank with no branches.


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Products & Services

Interest rates and Annual Percentage Yields (APYs) are current as of and are subject to change.

Certificates of Deposit
CalFirst offers a range of CDs allowing you to select the maturity that suits you best. When you open the account, you may elect to transfer the interest earned to your CalFirst checking or money market account. We offer a range of maturities, each paying high interest:  

Certificates of Deposit < 100k (including ira's)

Term

Interest Rate

Annual Percentage Yield

3 month

0.05%

0.05%

6 month

0.10%

0.10%

1 year

0.15%

0.15%

2 year

0.25%

0.25%

3 year

0.35%

0.35%

     

Regular CD:

The minimum deposit is $5,000. The minimum balance required to obtain the APY shown is $5,000.

IRA CD:

The minimum deposit is $2,000. The minimum balance required to obtain the APY shown is $2,000.

A penalty may be imposed for early withdrawal.

 

Penalties charged against the account may reduce earnings. There is a penalty for early withdrawal of funds.

 

CERTIFICATES OF DEPOSIT > 100K (INCLUDING IRA'S)

TERM

INTEREST RATE

ANNUAL PERCENTAGE YIELD

3 month

0.10%

0.10%

6 month

0.15%

0.15%

1 year

0.20%

0.20%

2 year

0.30%

0.30%

3 year

0.40%

0.40%

     

Regular CD:

The minimum deposit is $5,000. The minimum balance required to obtain the APY shown is $5,000.

IRA CD:

The minimum deposit is $2,000. The minimum balance required to obtain the APY shown is $2,000.

A penalty may be imposed for early withdrawal.

 

Penalties charged against the account may reduce earnings. There is a penalty for early withdrawal of funds.

 

Money Market Checking
The interest rate on our Money Market Account is competitive nationally. Only $5,000 is required to open. Your interest is credited to your account monthly. Your checks are free.  You are allowed 6 withdrawals per statement cycle with this account. For every withdrawal in excess of 6, a $10 fee will be charged.

Money Market Checking*

Balance

Interest Rate

Annual Percentage Yield

Up to $49,999.99

0.05%

0.05%

$50,000 - $249,999.99

0.10%

0.10%

$250,000 - $999,999.99

0.15%

0.15%

$1,000,000 - $4,999,999.99 0.20% 0.20%
$5,000,000 or more 0.25% 0.25%

Effective 4/15/21, you will be able to make an unlimited number of transfers and withdrawals from your Money Market account. You will no longer be limited to 6 transfers or withdrawals during a statement cycle.

Minimum deposit of $5,000 is required to open the account. Interest does not compound. Interest is paid monthly. Interest is paid on the actual daily balance according to the tiers above.

 

Upon opening a Money Market Account, you may request an ATM card. Bill paying is not available for Money Market Accounts. Service fees charged against the account may reduce earnings.

* Interest rates are adjusted at the bank's discretion.

Interest Checking
CalFirst offers competitive rates of interest on your Interest Checking Account balance. Plus, you get free, unlimited Online Bill Paying, a free initial check order and an ATM Card. Each CalFirst depositor is insured to at least $250,000 by the FDIC. For your convenience, image copies of your checks are sent with your monthly statement. Check safekeeping is standard on all accounts; canceled checks are not returned.

Interest Checking*

Balance

Interest Rate

Annual Percentage Yield

Up to $2,499.99

0.05%

0.05%

$2,500.00- $9,999.99

0.05%

0.05%

$10,000.00 or more

0.05%

0.05%

Minimum deposit of $2,500 is required to open the account. Interest does not compound. Interest is paid monthly. Interest is paid on the actual daily balance according to the tiers above.

 

No service charge if the minimum daily balance is $2,500 or more. 
No service charge if the combined minimum daily balance in all your CalFirst accounts is $5,000 or more. 
Service fees charged against the account may reduce earnings.

* Interest rates are adjusted at the bank's discretion. 

Need More Information?
If you are ready to open an account now, click here to complete an online application.
 

Regular Checking

  • Free unlimited online Bill Paying
  • Free first Check Order
  • Free ATM Card
  • FDIC-insured
  • Minimum opening deposit of $1,000 required
  • No service charge if the minimum daily balance is $1,000 or more
  • No service charge if the combined minimum daily balance in all your CalFirst accounts is $5,000 or more

Premium Savings 

Premium Savings *

 

Interest Rate

Annual Percentage Yield

All Balances

0.05%

0.05%

Minimum deposit of $1,000.00 is required to open the account. Interest does not compound. Interest is paid monthly. Interest is paid on the actual daily balance. Effective 4/15/21, you will be able to make an unlimited number of transfers and withdrawals from your Savings account. You will no longer be limited to 6 transfers or withdrawals during a statement cycle.

 

Benefits include:

  • Unlimited deposits
  • Free direct deposit
  • FDIC-insured
  • Statements can be viewed online
  • Minimum opening deposit of $1,000
  • No service charge if $1,000 minimum daily balance is maintained
  • No service charge if the combined minimum daily balance in all your CalFirst accounts is $5,000 or more

Service fees charged against the account may reduce earnings.

* Interest rates are adjusted at the bank's discretion.


ATM Cards
With CalFirst's ATM card, you get access to your money 24–hours–a-day, 7-days-a-week from any of the thousands of ATMs nationwide displaying the Plus ATM network logo or Star ATM network logo logo.

ATM cards are available to all customers who have an
 Interest Checking, Regular Checking or Money Market Account.

CalFirst does not charge you a fee for ATM withdrawals. You may be charged a fee by the financial institution that owns the ATM. CalFirst will reimburse you up to $6.00 per month for ATM fees charged by other financial institutions.

Your ATM transactions are posted to your online account and will appear on your monthly statements.


Online Bill Paying
CalFirst's Online Bill Paying service helps you save valuable personal time and postage expense. Best of all, CalFirst's Online Bill Paying is TOTALLY FREE when you open an interest checking or regular checking account. 

With Internet access, you can pay your bills wherever you are -- at home or away.


Check Orders
Re-order your checks online in three easy steps!

  1. Sign on with your User ID and PIN.
  2. Select "Order Checks" from the menu.
  3. Follow the easy instructions to re-order checks and accessories.

Your new check order should reach you within five to seven days. There's no need to mail us a re-order form.