Overview cds tab

Get The Rewards Without The Risk

Deposit your money in a Bank of Internet USA CD and you’ll earn some of the best CD rates available — with no market risk whatsoever. And with flexible terms from 3 months to 5 years, we have a CD that’s right for you, right now.


  • Great CD rates (interest compounded daily)
  • $1,000 minimum amount to open an account
  • Free electronic transfer of interest
  • Auto renewal with 10-day grace period
  • Free FinanceWorks™: Track all your financial accounts, even those at others institutions, all from your Bank of Internet USA account.
  • Available to Living Trust account ownerships
  • FDIC insured — certificate number 35546
  • Mobile Web or Text Messaging: Manage your Finances Anytime, Anywhere

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 Rates cds tab

CD Rates: Where Time Really Does Equal Money

The longer you leave it, the more you’ll make. That’s the simple truth behind certificate of deposit rates. And with our CD interest rates consistently among the highest in the country — compounded daily — we can help you spend that time earning more.

CERTIFICATES OF DEPOSIT

Term APY* Rate

3 month 0.15% 0.15%
6 month 0.25% 0.25%
12 month 0.55% 0.55%
24 month 0.70% 0.70%
36 month 0.90% 0.90%
48 month 1.05% 1.04%
60 month 1.35% 1.34%
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 FAQs cds tab

What do you want to know?

Bank of Internet USA is here to make your banking experience as simple and convenient as possible. If you have questions, chances are, we’ve answered them here. If not, you can ask us a question by contacting us here.

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