Certificates of Deposit (CDs)

Get the rewards without the risk

With a low minimum deposit and the flexibility to choose your term, a Certificate of Deposit, or CD, from Bank of Internet USA can help you to grow your money and reach your savings goals with competitive interest rates, guaranteed returns, and absolutely no market risk. Plus your deposits are FDIC-insured up to the maximum allowable limits.

If you are looking for an investment vehicle that will provide you with financial security and peace of mind during even the most turbulent economic times, then a CD account from may be the ideal solution for you.


Benefits of Certificates of Deposit

Here are just some of the benefits you will enjoy when you open a Certificate of Deposit account with Bank of Internet USA:

  • Predictable returns on your investment with absolutely no market risk
  • CD terms of 3 to 60 months available
  • $1,000 minimum amount to open an account
  • No set-up or maintenance fees
  • Free money management software
  • Auto renewal with 10-day grace period
  • Free electronic transfer of interest

For further information, please visit our page or contact us by phone at 1-877-541-2634 or by email at .

Certificate of Deposit (CD) Interest Rates


Term APY1,2 Rate
3 month 0.55% 0.55%
6 month 0.75% 0.75%
12 month 1.00% 1.00%
24 month 1.20% 1.19%
36 month 1.30% 1.29%
48 month 1.40% 1.39%
60 month 2.25% 2.22%