Silvergate Bank

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3 Year High Yield Online CD

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.26%	2-year CD	2 Years High Yield Online CD 1.30% - Ally Bank Raise Your Rate 2-Year CD
0.30%	1-year CD	1 Year High Yield Online CD 1.05% - Ally Bank High Yield 12-Month CD
1.00%	5-year CD	5 Year CD 1.85% - Synchrony Bank 60 Month CD

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Overview / Commentary

www.silvergatebank.com

858-202-0508

4275 Executive Square, Suite800
La Jolla, CA 92037

Silvergate Bank is headquartered in La Jolla and is the 61^st largest bank in the state of California. It is also the 750^th largest bank in the nation. It was established in 1988 and as of June of 2016, it had grown to 122 employees at 6 locations. Silvergate Bank has an A health rating.

No ACH Access To Withdraw Or Transfer Funds

Posted by: Kirkland | Feb 1, 2016

Beware of this bank. Although they are happy to receive an ACH when funding your online account, you can't withdraw any funds without calling or emailing customer service and requesting that a transfer/withdrawal be made back to your original funding account. You cannot setup the ACH yourself nor can you transfer funds anywhere else. I opened this account but plan to close it as soon as the first month interest pays. Bummer.

30

Health

A

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	27330
Year Established	1988
Employees	122
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	8.52%
Annual Interest Income	$19.8MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$979.6MM$936.5MM
Loans	Q2 2016vs Q2 2015	$817.5MM$822.5MM
Deposits	Q2 2016vs Q2 2015	$720.8MM$629.3MM
Equity Capital	Q2 2016vs Q2 2015	$84.4MM$79.9MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$7.7MM$6.0MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$3.1MM$4.5MM
Real Estate Owned	Q2 2016vs Q2 2015	$876.00K$630.00K

Rates

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Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Silvergate Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$10k^*	-	Tiered Regular Savings
OTHER TIERS: 0.10% → Up to $10k
0.15%^*	$10k^*	-	Tiered Business Savings
OTHER TIERS: 0.10% → Up to $10k

Silvergate Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$100k	-	Relationship Money Market
0.65%	$100k	-	Business Relationship Money Market
0.25%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k
0.25%^*	$100k^*	-	Business Money Market Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k

Silvergate Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	Elite Checking
0.10%	-	-	Business Interest Checking
0.10%	-	-	IOLTA Checking

Silvergate Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.41%^*	$25k^*	$235k	3 Year High Yield Online CD
OTHER TIERS: 0.10% → $235k+
1.26%^*	$25k^*	$235k	2 Years High Yield Online CD
OTHER TIERS: 0.10% → $235k+
1.00%^*	$2,500^*	$235k	5 Year CD
OTHER TIERS: 0.10% → $235k+
1.00%^*	$2,500^*	$235k	Business 5 Year CD
OTHER TIERS: 0.10% → $235k+
0.75%^*	$2,500^*	$235k	4 Year CD
OTHER TIERS: 0.10% → $235k+
0.75%^*	$2,500^*	$235k	Business 4 Year CD
OTHER TIERS: 0.10% → $235k+
0.50%^*	$2,500^*	$235k	3 Year CD
OTHER TIERS: 0.10% → $235k+
0.50%^*	$2,500^*	$235k	Business 3 Year CD
OTHER TIERS: 0.10% → $235k+
0.40%^*	$2,500^*	$235k	2 Year CD
OTHER TIERS: 0.10% → $235k+
0.40%^*	$2,500^*	$235k	Business 2 Year CD
OTHER TIERS: 0.10% → $235k+
0.30%^*	$25k^*	$235k	1 Year High Yield Online CD
OTHER TIERS: 0.10% → $235k+
0.30%^*	$2,500^*	$235k	1 Year CD
OTHER TIERS: 0.10% → $235k+
0.30%^*	$2,500^*	$235k	Business 1 Year CD
OTHER TIERS: 0.10% → $235k+
0.20%^*	$2,500^*	$235k	180 Day CD
OTHER TIERS: 0.10% → $235k+
0.20%^*	$2,500^*	$235k	Business 180 Day CD
OTHER TIERS: 0.10% → $235k+
0.10%	$2,500	-	90 Day CD
0.10%	$2,500	-	Business 90 Day CD

Silvergate Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$25k^*	$235k	5 Years IRA
OTHER TIERS: 0.10% → $235k+
0.50%^*	$25k^*	$235k	3 Years IRA
OTHER TIERS: 0.10% → $235k+
0.40%^*	$25k^*	$235k	2 Years IRA
OTHER TIERS: 0.10% → $235k+
0.30%^*	$25k^*	$235k	1 Year IRA
OTHER TIERS: 0.10% → $235k+

Locations

Silvergate Bank Locations
Escondido Branch	128 North Broadway	Escondido, CA 92025
LA Jolla Branch	4250 Executive Square Suite 100	LA Jolla, CA 92037
Silvergate Bank	4275 Executive Square, Suite800	LA Jolla, CA 92037
Carlsbad Branch	5810 El Camino Real Ste D	Carlsbad, CA 92008
LA Mesa Branch	8530 LA Mesa Boulevard Ste 300	LA Mesa, CA 91942