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 reach your savings goal with competitive interest rates, consistent returns, and absolutely no market risk. Plus your deposits are insured by the FDIC up to the maximum allowed.

The Basics

  • Zero market risk
  • 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
  • For frequently asked questions, .
  • Auto renewal with 10-day grace period
  • Free electronic transfer of interest

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 1.50% 1.49%