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Investment Services
Your business’s bank should be an ally in your financial success. Let the dedicated professionals at San Diego National Bank help you determine the best mix of investments to reach your financial goals. To learn more about the products and services listed below, contact your local branch.
U.S. Treasury
These are debt securities issued by the U.S. government. A treasury can be a bill, note, or bond. Minimum investment amounts and terms vary with each instrument. All U.S. treasuries are exempt from state and local taxes, but are fully taxable at the federal level. Certain agency securities are exempt from state and local taxes as well. U.S. treasury instruments are backed by the full faith and credit of the U.S. government.
Government Agency
A number of federal agencies have been created by Congress to provide credit to certain industries. These agencies, in turn, obtain funds from credit markets by issuing debt. Agency securities are similar to treasury instruments except most do not have the backing of the U.S. government. The yields are slightly higher than treasuries of the same maturity and they are extremely safe despite the lack of a full U.S. government guarantee.
Municipal Securities
These securities may be issued by any state or local government or their agencies, such as school districts or water districts. Interest earned on municipal securities is exempt from federal income tax and usually from state and local taxes within the state they are issued.
Commercial Paper
A short-term, unsecured promissory note issued by a finance company or a relatively large industrial firm. The notes are generally sold at a discount from face value, with maturities ranging from 30 - 270 days. These notes are backed by the company’s good name.
| Not FDIC Insured | Not Guaranteed By The Bank | Not A Deposit |
| May Go Down In Value | Not Insured By Any Federal Government Agency | |
