What you get
- Terms of 3, 6, 12, 18, 24, 36, 48 and 60 months
- Interest compounds daily and can be paid out or reinvested
- Automatic renewal at the then-current rate with a 10-day grace period
- Ladder builder to stagger maturities across terms
Time deposits
Lock in a fixed rate for a fixed term
Choose a term from 3 to 60 months and know exactly what you will earn. CDs are FDIC insured and can be laddered so a portion of your cash matures on a schedule that fits your plan.
Eligibility
- $1,000 minimum opening deposit per certificate
- Individuals age 18 or older; individual, joint and IRA-held CDs available
- Funding by ACH, wire or transfer from a VaultX account
- Additional deposits cannot be made after the certificate is opened
Fees and limits
| Item | Amount |
|---|---|
| Account opening fee | $0 |
| Minimum deposit | $1,000 |
| Early withdrawal — terms under 12 months | 90 days of simple interest |
| Early withdrawal — terms 12 months or more | 180 days of simple interest |
| Automatic renewal | $0 (10-day grace period) |
Current banking rates
All VaultX Private Bank deposit and lending tiers, refreshed live.
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Rates refresh automatically every 30 seconds and are illustrative for this demonstration application. Sort any column by selecting its heading.
Important disclosures
Certificate of Deposit deposits are insured to at least $250,000 per depositor, per ownership category.
Withdrawing principal before maturity incurs an early withdrawal penalty that may reduce earnings, and in some cases principal.
APYs assume interest remains on deposit until maturity. Rates shown are illustrative for this demonstration application.
Investing
Investment Products
Not FDIC InsuredNo Bank GuaranteeMay Lose Value
Securities in your account protected up to $500,000, including $250,000 for claims for cash. For details, see the investor protection corporation's coverage summary.
Banking
Banking Products
FDIC InsuredBank Guarantee
FDIC Insured — backed by the full faith and credit of the United States Government. VaultX Private Bank, N.A. is an Equal Housing Lender.