CD & CDARS Rate Sheet
This Week's Rates
| CD Term | CDARS1 | CD Minimum Balance2 | CDARS Minimum Balance2 | Relationship APY3,4 | Relationship Rate | Regular APY4 | Regular Rate |
|---|---|---|---|---|---|---|---|
| 60 Month | NA | $5,000 | NA | 3.00% | 2.96% | 2.75% | 2.72% |
| 48 Month | NA | $5,000 | NA | 3.00% | 2.96% | 2.75% | 2.72% |
| 36 Month | 3 Years | $5,000 | $10,000 | 3.00% | 2.96% | 2.75% | 2.72% |
| 24 Month | 2 Years | $5,000 | $10,000 | 3.25% | 3.20% | 3.00% | 2.96% |
| 23 Month Special4,6 | NA | $10,000 | NA | 3.35% | 3.30% | 3.35% | 3.30% |
| 18 Month | NA | $5,000 | NA | 3.51% | 3.45% | 3.00% | 2.96% |
| 12 Month, Jumbo1,4,5 | 52 Weeks | $250,000 | $250,000 | 3.65% | 3.59% | 3.65% | 3.59% |
| 12 Month | 52 Weeks | $5,000 | $10,000 | 3.45% | 3.40% | 3.25% | 3.20% |
| 11 Month Special4,6 | NA | $10,000 | NA | 3.65% | 3.59% | 3.65% | 3.59% |
| 9 Month | NA | $5,000 | NA | 3.51% | 3.45% | 3.25% | 3.20% |
| 7 Month Special4,6 | NA | $10,000 | NA | 3.75% | 3.69% | 3.75% | 3.69% |
| 6 Month, Jumbo1,4,7 | 26 Weeks | $250,000 | $250,000 | 3.75% | 3.69% | 3.75% | 3.69% |
| 6 Month | 26 Weeks | $5,000 | $10,000 | 3.60% | 3.54% | 3.25% | 3.20% |
| 3 Month | 13 Weeks | $5,000 | $10,000 | 2.50% | 2.47% | 1.50% | 1.49% |
| 30 Day | 4 Weeks | $5,000 | $10,000 | 1.50% | 1.49% | 1.25% | 1.24% |
Lock in Your CD or CDARS Today
Don't just manage your HOA's finances - make the community's funds stretch further by earning competitive rates with time-tested Certificates of Deposit (CD) or Certificates of Deposit Account Registry Service (CDARS).
Connect with an HOA banking expert today to help you create a strong, safe deposit and reserve strategy for your community association.
Rate sheet applies to Western Alliance Bank's Alliance Association Banking community association, timeshare resort association and special district clients only.
Interest rates and annual percentage yields (APY) are accurate as of September 29, 2025 and subject to change or discontinuance at the Bank’s discretion.
1.Deposit placement through CDARS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. ICS is a registered service mark, and IntraFi Cash Service is a service mark, of IntraFi Network, LLC.
2. Minimum Balance is the minimum daily balance (amount of the principal in the account each day) and minimum opening balance, which must be met to attain the annual percentage yield.
3. To be eligible for the Relationship Rate, the Community’s banking relationship with Western Alliance Bank must include lockbox services.
4. Rate is accurate as of date listed. Minimum balance is required to open and earn the APY. Funds withdrawn prior to maturity may be subject to an early withdrawal penalty. Fees may reduce earnings on the account.
5. Upon maturity, the aforementioned CD will automatically renew for the current 12-month Jumbo rate at the rate then currently available if the minimum balance for the Jumbo CD is maintained. If the balance should fall below the minimum required, the rate will revert to the standard 12-month CD at the rate then currently available. Minimum balance is required to earn the APY.
6. The aforementioned 7-month term will automatically renew to a 6-month term at the rate then currently available based on the current balance if funds are not withdrawn. The 11-month term will automatically renew to a 12-month term at the rate then currently available based on the current balance if funds are not withdrawn. The 23-month term will automatically renew to a 24-month term at the rate then currently available based on the current balance if funds are not withdrawn.
7. Upon maturity, the aforementioned CD will automatically renew for the current 6-month Jumbo rate at the rate then currently available if the minimum balance for the Jumbo CD is maintained. If the balance should fall below the minimum required, the rate will revert to the standard 6-month CD at the rate then currently available. Minimum balance is required to earn the APY.
For accounts other than ICS, we use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. A penalty may be imposed for early withdrawal from certificates. Fees and/or withdrawals could reduce the earnings on the account.