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Save more today at Balboa Thrift and Loan

We offer you the assistance to help you improve your financial situation in any life stage.

Save More!

Whether you’re starting to save or planning for retirement, we offer you the assistance to help you improve your financial situation in any life stage.

With a CD or Savings Account from BALBOA, you’ll not only enjoy a terrific rate of return on your investments, you’ll also enjoy it risk-free. That’s because CDs and Savings are FDIC-insured up to applicable limits. That means you receive a guaranteed rate without risk. Beyond our exceptional rates and FDIC Insurance, you’ll also enjoy:

No maintenance fees* - No maintenance fees* - No maintenance fees on CDs* - Some banks charge you extra to maintain your CD account. Not us.

24/7 Access* - 24/7 Access* - 24/7 Access* - Check on the status of your CDs and/or Savings Account anytime, anywhere by telephone.

Total Confidence - Total Confidence - Total Confidence - With BALBOA, you’ll be investing with one of the top banks in San Diego.

How to get started

New to CDs and the world of investing? No problem. While putting your money out of reach (even for just a short time) may be a new concept to you, it’s one of the smartest ways to invest and start having your money work for you (instead of you always working for your money).

In a nutshell, a CD keeps your money safe for the amount of time you decide. You won’t be able to spend it during this term of the account, but that means your money will be there if you need it. Best of all, you’ll be earning interest the entire time!


Look online for articles about CD's and talk to people you trust about their investing experience. You may even want to consult a financial planner.

Determine your goals

What do you want to save for? A vacation next summer? A house in two years? Knowing your goals will guide you to the CD or Savings Account that’s right for you.

Look at your budget

Before you can invest, you have to figure out how much to invest. Develop a budget of your monthly expenses and savings needs. Then choose an amount you’d be comfortable not touching for the length of the CD.

Pick your term

While a longer-term CD may offer a higher rate, you might feel more comfortable locking in your term for 12 or 18 months. Maybe a liquid Savings Account suits you best. BALBOA can help you find the best option.

Contact toll free at 877-858-5790

Whether you inquire online, in a branch or by phone, getting started with a new account takes only a few minutes.