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Personal Certificate of Deposit

Give Your Savings a Boost

Secure Your Financial Dreams

Whether your goals are long or short-term, a CD’s guaranteed return will help you get there.

Promo CD

Open a CD in 10 minutes and enjoy the promotional APY

  • 9 month CD1 at 1.30% APY*
  • 18 month CD2 at 0.75% APY*
  • $1,000 minimum balance to open
  • Online only

* Annual Percentage Yields (APYs) are accurate as of 6/22/2022 Fee could reduce the earnings on the account

Certificate of Deposit

Want competitive, fixed interest rates on a variety of terms

  • 1 to 3 years term CDs
  • Competitive interest rates
  • $1,000 minimum balance to open

See Account Terms for details

Diamond Freedom CD

Want the flexibility of accessing funds while earning interest on your savings

  • 12 or 24 months term CDs
  • $50,000 minimum balance to open
  • 6 limited partial withdrawals in increments of $10,000 without penalty3
  • Additional deposits in increments of $10,000 up to the original balance

See Account Terms for details

For detailed information, see Deposit Account Agreement, and Fee Schedule.

19-Month CDs will renew as 12-month CDs after the first maturity and will renew as 12-month CDs thereafter. Early withdrawal penalty will be equal to one (1) month simple interest of the opening balance.
218-month CDs will renew as 24-month CDs after the first maturity and will renew as 24-month CDs thereafter. Interest payouts are required at least annually. Early withdrawal penalty will be equal to one (1) month simple interest of the opening balance.
3Partial withdrawals in increments of $10,000 can be made up to six (6) times starting on the 7th day from the account opening without early withdrawal penalty for 12‐month term and after six (6) months for 24‐month term. Each partial withdrawal should be made at least 7 days apart to avoid early withdrawal penalty. At least half of the account opening balance must be maintained; otherwise it will be considered as account closing which will be subject to the early withdrawal penalty.

What you can expect from Hanmi Bank CDs

Open an online certificate of deposit, or stop by a Hanmi Bank location to start saving with a CD account.

No Monthly Maintenance Fees

With our CDs, there are no surprises. Zero monthly service fees let you reach your goals faster.

Predictable Growth

Once you set up a CD, you lock in your interest rate allowing you to calculate your return.

FDIC Insured

Hanmi Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Be confidently assured that your deposits are safe up to FDIC limits.

Strengthen Your Financial Future Today

Securely open a CD account online

  • Contactless online account opening means you can open an account virtually any time you want, no matter where you are
  • Select a product you want and open your account in just 10 minutes


What is a Certificate of Deposit (CD)?

A CD is a type of investment or savings account with a fixed rate and term provided by the bank.

Why do people open CD accounts?

There are many different reasons to put money into a CD:

  • Saving for retirement
  • Down payment on a house
  • Low-risk investment with guaranteed return
  • Controlling your budget
  • Saving for education
  • Buying a car

Can I open an online certificate of deposit?

Yes. You can open an account online or at any of our Hanmi Branch locations.

To open a 9-month Online Promo CD, click here. For 18-month Online Promo CD, click here.

We’re Here to Help

You’ve got a team of experts on your side. Whether you have a simple question or need a comprehensive banking solution, we’re here for you.

Visit a local Hanmi Bank branch near you

Find addresses, phone numbers, and business hours for your Hanmi Bank branches and ATMs. We’re here for face-to-face support in person.

Call us at

Help is just a phone call away. Our Customer Call Center is open Monday ~ Friday, 7:00 AM to 6:00 PM PT for your personal and business banking needs.