Certificate of Deposits

High Rate Certificate of Deposits (CDs) combine a guaranteed rate of return for your deposit with the safety and security of FDIC insurance.
TotalDirectBank is able to offer higher rates on your CDs by lowering our costs.
With terms ranging from 3 to 60 months, you can select the best combination of high rate and length of commitment to match your specific savings goals.
Your TotalDirectBank CD provides:

  • Guaranteed return
  • Automatic Renewal
  • FDIC insurance up to the maximum allowable
A $25,000 minimum deposit is required to open an account and in order to earn the advertised APY.
Term Interest Rate APY*
3 month CD 2.20% 2.20% Open Account
12 month CD 2.60% 2.60% Open Account
24 month CD 2.60% 2.60% Open Account
36 month CD 2.60% 2.60% Open Account
60 month CD 2.60% 2.60% Open Account
 *The  advertised interest rates and Annual Percentage Yields (APY) are effective as of 07/15/2019 and are subject to change daily without notice. A penalty fee may be imposed for early withdrawal of CDs.  Fees could reduce the earnings on your CD account, please refer to the most current Rate and Disclosure & Schedule of Fees for TotalDirectBank Accounts for more details.