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Certificate of Deposit (CD) Accounts

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Compare CD options

Featured CD account

Early withdrawal penalty applies. See details below.

Fixed Term CD account

Early withdrawal penalty applies. See details below.

Flexible CD account

Early withdrawal penalty applies. See details below.

Minimum opening deposit
$1,000
$1,000
$1,000
FDIC insured?
Deposits are insured by the FDIC up to $250,000 per depositor.
Deposits are insured by the FDIC up to $250,000 per depositor.
Deposits are insured by the FDIC up to $250,000 per depositor.
Term
Choose from multiple options:
7 month to 37 month.
These products will auto-renew into a Fixed Term CD for the same term.
See available terms and rates layer
Choose any term:
28 days to 10 years.
These products will automatically renew for the same term.
See available terms and rates layer
Open a 12 month term online. The product will auto-renew into a 9 Month Flexible CD.
Annual percentage yield (APY)
For Featured CD AccountXXXXXXXX%adatext
depending on balance and term
For Standard Term CD AccountXXXXXXXX%adatext
depending on balance and term
For Flexible CD AccountXXXXXXXX%adatext
depending on balance and term
Additional deposits allowed?
For Featured CD Account No additional deposits until maturity
For Standard Term CD AccountNo additional deposits until maturity
For Standard Term CD AccountNo additional deposits until maturity
Early withdrawal penalty?
An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your CD. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. For more detail about the penalty calculation and how grace periods are determined, see
Deposit Agreements and Disclosures and
Deposit Rate Sheet.
An early withdrawal penalty applies to any withdrawal you request outside of the grace period, which begins on the maturity date of your CD. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. For more detail about the penalty calculation and how grace periods are determined, see
Deposit Agreements and Disclosures and
Deposit Rate Sheet.
We will waive the early withdrawal penalty except in connection with any withdrawals you request within the first 6 days of the account term (or the first 6 days following any partial withdrawal). See
Deposit Agreements and Disclosures and
Deposit Rate Sheet for more detail about the penalty calculation.

What is a CD (Certificate of Deposit)?

A CD (certificate of deposit) is a type of deposit account that셲 payable at the end of a specified amount of time (referred to as the term). CDs generally pay a fixed rate of interest and can offer a higher interest rate than other types of deposit accounts, depending on the market. These accounts typically provide security for longer-term savings and no monthly fees, but at the cost of access and liquidity of the funds.

What you'll get with any CD account

Locked rates

Once you've chosen a term and made your deposit, your rate is fixed for the length of your term. Early withdrawal penalty applies.

FDIC insurance

FDIC insurance up to the applicable limits.

Learn more about FDIC insurance

Automatic renewals

We셪l automatically reinvest your funds at the end of the term. You셪l get a maturity notice beforehand in case you'd rather redeem your CD.

Other savings accounts available

Everyday savings

A more flexible account with faster access to cash

Retirement planning

Consider an IRA to help maximize your returns

Why choose 91르적?

Why choose 91르적?

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Merrill Edge

Looking for a full range of investment choices?

More help managing money

Savings or CDs –

Savings or CDs –

which is right for you?

Great! Terms available for Fixed Term CDFeatured CD:Fixed Term CDFeatured CDFlexible CD

Great!

Before we open your Fixed Term CDFeatured CDFlexible CD, choose your:

Terms available for Fixed Term CDFeatured CD:

For deposits over $250,000, to open your account.

Fixed Term CDFeatured CDFlexible CD ( )

AmountInterest RateAPYAnnual Percentage Yield (APY)

Open now Explore more Featured CD rates

Open now Explore more Fixed Term CD rates

Open now Explore more Flexible CD rates

For deposits over $250,000, to open your account.

AmountInterest RateAPYAnnual Percentage Yield (APY)

Rates

Choose the desired term, then the deposit amount to see rate options.

For deposits over $250,000, to open your account.

AmountInterest RateAPYAnnual Percentage Yield (APY)
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  • Phone number: 844.375.7027