A certificate of deposit (or CD) is an account you leave untouched for a set time while it grows interest. You choose your term length 3 and how much money to deposit. Along with earning interest, the account is FDIC insured. Read more about CDs. Open Your CD Account Today. A CD is a great savings tool for your long-term financial goals. When interest rates fluctuate, you can be confident that you have a guaranteed rate of return on the money you’ve placed in your Live Oak CD account. The answer varies by account, but most CDs credit interest monthly. Some may allow you to have the interest transferred to a different account, such as a savings account or a money market account.

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Open a Chase Certificate of Deposit

You must be an existing Chase checking customer to open online.

Open a CD account See rates and terms to fit your needs

Certificate of Deposit FAQ

Cd Accounts Wells Fargo

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A certificate of deposit, or CD, is a deposit account with us for a specified period of time.

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$1,000

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We use the daily balance method to calculate interest on your CD. This method applies a periodic rate each day to your balance. Interest begins to accrue on the business day of your deposit. Interest for CDs is calculated on a 365-day basis, although some business CDs may calculate interest on a 360-day basis. The Annual Percentage Yield (APY) disclosed on your deposit receipt or on the maturity notice assumes interest will remain on deposit until maturity. On maturities of more than one year, interest will be paid at least annually. Please see the Deposit Account Agreement and rate sheet for further details.

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There is a penalty for withdrawing principal prior to the maturity date. For Personal CDs:

• If the term of the CD is less than 6 months, the early withdrawal penalty is 90 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
• If the term of the CD is 6 months to less than 24 months, then the early withdrawal penalty is 180 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
• For terms 24 months or more, the early withdrawal penalty is 365 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
• If the withdrawal occurs less than seven days after opening the CD or making another withdrawal of principal, the early withdrawal penalty will be calculated as described above, but it cannot be less than seven days’ interest.
• The amount of your penalty will be deducted from principal.

See the Deposit Account Agreement and rate sheet for further details

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The maturity date is the last day of your CD’s term. The grace period begins the following day and lasts for 10 days – this is when you can make changes to your CD. Go to chase.com/cdmaturity to learn more about what options you have when your CD matures.

Find a Chase ATM or branch

To find a Chase ATM or branch near you, tell us a ZIP code or an address.

Open a Chase Certificate of Deposit

You must be an existing Chase checking customer to open online.

Open a CD account See rates and terms to fit your needs

Certificate of Deposit FAQ

expand

A certificate of deposit, or CD, is a deposit account with us for a specified period of time.

Cd Accounts Rates

expand

Cd Account Vs Mutual Fund

$1,000

expand

We use the daily balance method to calculate interest on your CD. This method applies a periodic rate each day to your balance. Interest begins to accrue on the business day of your deposit. Interest for CDs is calculated on a 365-day basis, although some business CDs may calculate interest on a 360-day basis. The Annual Percentage Yield (APY) disclosed on your deposit receipt or on the maturity notice assumes interest will remain on deposit until maturity. On maturities of more than one year, interest will be paid at least annually. Please see the Deposit Account Agreement and rate sheet for further details.

expand

There is a penalty for withdrawing principal prior to the maturity date. For Personal CDs:

• If the term of the CD is less than 6 months, the early withdrawal penalty is 90 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
• If the term of the CD is 6 months to less than 24 months, then the early withdrawal penalty is 180 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
• For terms 24 months or more, the early withdrawal penalty is 365 days of interest on the amount withdrawn, but not more than the total amount of interest earned during the current term of the CD.
• If the withdrawal occurs less than seven days after opening the CD or making another withdrawal of principal, the early withdrawal penalty will be calculated as described above, but it cannot be less than seven days’ interest.
• The amount of your penalty will be deducted from principal.

See the Deposit Account Agreement and rate sheet for further details

expand

The maturity date is the last day of your CD’s term. The grace period begins the following day and lasts for 10 days – this is when you can make changes to your CD. Go to chase.com/cdmaturity to learn more about what options you have when your CD matures.

Find a Chase ATM or branch

To find a Chase ATM or branch near you, tell us a ZIP code or an address.

Annual Percentage Yield (APY) is accurate as of today. Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. CD minimum opening deposit of $1,000 required. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Depositor's Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in length to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.