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Online CDs
Online CDs
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Online CD
Open your First Foundation Bank Online CD
Our 9 Month Online CD* is available for clients located anywhere in the U.S., and offers competitive rates with long-term security.
Open Account
Online CD
Want to lock in your rate even longer?
Our 12 Month Online CD** is available for clients located anywhere in the U.S., and offers competitive rates with long-term security.
Open Account
An Overview of First Foundation
$13.3 Billion
in Bank Assets as of 12/31/23
$5.2 Billion
in Advisory Assets Under Management as of 12/31/23
581
Employees as of 12/31/23
31 Locations
Serving you in California, Florida, Hawaii, Nevada, and Texas
Open an Online CD in five easy steps
Open 9-Month CD Open 12-Month CD
View FAQs
What do our clients think?
“Great online bank”
“Great online bank. Easy interface. Great interest rates.” Jonathan B., Astoria, NY
“Ease of doing business with FFB”
“I really like the ease of doing business with FFB. Their website is great and opening an account is super easy. I highly recommend them.” Ronald H., West Jordan, UT
“Great customer service”
“You’ll be hard pressed to find a better bank. Great customer service, great rates and an easy to use app!” John B., Stamford, CT
“Friendly, efficient”
“First Foundation Bank representatives are all friendly, efficient, and work very diligently to assist your every need!” La Vern D., Fort Collins, CO
We are experienced online bank customers working with CIT and Ally over the years. But when we found out First Foundation had competitive online rates AND we could still benefit from their brick and mortar facilities, we were sold. It’s been the best of both worlds.
Carl K.,
Palmdale, CA
Frequently Asked Questions
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What is a Certificate of Deposit (CD)?
A certificate of deposit (CD) is a bank deposit account that lets you earn a fixed interest rate in exchange for locking in your deposit for a particular term.
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Is there a minimum to open an Online CD?
The minimum deposit is $2,500.
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How do I fund my Online CD?
You can use our application funding options to fund your account up to $500,000. If you would rather fund your account later, please contact us for assistance. You can then fund your account by check, wire, initiating a transfer from your other bank, or by bringing cash into one of our branches. For more information, please contact the First Foundation Digital Bank team at[email protected]or 888-405-4332.
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What happens when my Online CD matures?
We will send you a Maturity Notice before your CD’s maturity date. There is a 10-day grace period during which you may withdraw principal without penalty or renew your CD with the same term. You may also close your CD and open a new one with a different term. If you do not contact us by the end of the 10-day grace period (and we do not send you a notice of non-renewal), your CD will automatically renew for another term. The rate for each renewal term will be determined by us on or just before the renewal date. You may call us on or shortly before the maturity date and we can tell you what the interest rate will be for the next renewal term. On accounts with terms of longer than one month we will remind you in advance of the renewal and tell you when the rate will be known for the renewal period.
Open an Online CD in five easy steps
Open 9 Month CD Open 12 Month CD
Questions?
Learn more about us andour Digital Bank accounts.
View FAQs
In need of human assistance?
Our team is available to help Monday through Saturday. Give us a call.
1-888-405-4332
Disclosures
*Annual Percentage Yield (APY) is accurate as of 1/12/2024, subject to change without notice, and cannot be combined with any other offers. The minimum balance to open an Online 9 Month Certificate of Deposit (CD) account and obtain the advertised APY is $2,500 - new money only. The APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Deposit maximums may apply. Additional terms and conditions may apply.
**Annual Percentage Yield (APY) is accurate as of 1/12/2024, subject to change without notice, and cannot be combined with any other offers. The minimum balance to open an Online 12 Month Certificate of Deposit (CD) account and obtain the advertised APY is $2,500 - new money only. The APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Deposit maximums may apply. Additional terms and conditions may apply.
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Deposit and loan products offered by First Foundation Bank, Member FDIC and Equal Housing Lender. NMLS #793235.
Investment and Advisory Services provided by First Foundation Advisors, anSEC-Registered Investment Advisor. Trust Services and Insurance Services are offered through First Foundation Bank. First Foundation Insurance Services license number #0H38553.
Investment, Insurance, Digital Assets, and Advisory Products and Services:
- ARE NOT FDIC INSURED
- ARE NOT BANK GUARANTEED
- MAY LOSE VALUE
- ARE NOT A DEPOSIT
- ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY