Grow Your Savings With Confidence
Lock in guaranteed returns with our high-yield Certificates of Deposit. FDIC insured up to $250,000 per depositor with rates that beat the national average.
Certificate of Deposit Rates
Compare our competitive CD rates. All deposits are FDIC insured up to $250,000 per depositor.
| Term Length | APY | Minimum Deposit | Penalty for Early Withdrawal | Compounding |
|---|---|---|---|---|
|
3-Month CD
Most Flexible
|
4.50% APY | $500 | 90 days interest | Daily |
|
6-Month CD
Popular Choice
|
4.85% APY | $500 | 180 days interest | Daily |
|
12-Month CD
Highest Rate
|
5.25% APY | $500 | 365 days interest | Daily |
|
24-Month CD
Best Long-Term
|
5.15% APY | $1,000 | 2 years interest | Daily |
|
36-Month CD
Jumbo Option
|
4.95% APY | $10,000 | 3 years interest | Daily |
| 60-Month CD | 4.75% APY | $1,000 | 5 years interest | Daily |
Our Most Popular CDs
Choose from our most popular CD terms with competitive rates and flexible options.
3-Month CD
Flexible short-term option
- $500 minimum deposit
- Interest compounded daily
- 90-day early withdrawal penalty
- FDIC insured
- Auto-renewal available
6-Month CD
Great balance of rate & term
- $500 minimum deposit
- Higher rate than savings
- 180-day early withdrawal penalty
- Ideal for emergency funds
- Rate lock guarantee
12-Month CD
Maximum returns for 1 year
- $500 minimum deposit
- Highest APY available
- 365-day early withdrawal penalty
- Great for annual savings goals
- Bonus rate for new customers
24-Month CD
Secure long-term growth
- $1,000 minimum deposit
- Rate lock for 2 years
- 2-year early withdrawal penalty
- Perfect for large savings
- IRA eligible
Build a CD Ladder
Maximize returns and maintain liquidity by creating a CD ladder with staggered maturity dates.
Benefits of CD Laddering
Regular Access
CDs mature at regular intervals providing access to funds
Higher Average Returns
Combine short and long-term rates for optimal yield
Risk Management
Reduce interest rate risk by spreading investments
Additional Investment Options
Explore other secure investment opportunities to diversify your portfolio.
IRA CDs
Save for retirement with tax-advantaged IRA Certificates of Deposit. Traditional and Roth IRA options available with the same competitive rates.
Learn MoreBusiness CDs
High-yield CDs for businesses with larger minimum deposits. Perfect for corporate cash management and escrow accounts.
Learn MoreEducation Savings CDs
Special CDs designed for education savings with flexible terms. Ideal for 529 plans and other education-focused savings goals.
Learn MoreCD Earnings Calculator
Estimate how much you can earn with our high-yield Certificates of Deposit.
CD Frequently Asked Questions
Find answers to common questions about Certificates of Deposit.
A Certificate of Deposit is a time deposit with a fixed interest rate and maturity date. You agree to leave your money in the CD for a specified term, and in return, you receive a higher interest rate than regular savings accounts.
Yes, all CDs at bronclear are FDIC insured up to $250,000 per depositor, per ownership category. This means your principal and interest are protected by the full faith and credit of the United States government.
When your CD matures, you have a 10-day grace period to make changes. You can withdraw your funds, renew at the current rate, or transfer to another account. If no action is taken, the CD will automatically renew for the same term at the then-current rate.
Yes, but early withdrawals are subject to penalties. The penalty amount depends on the CD term and is typically a specified number of days' worth of interest. We recommend planning your investment timeline carefully to avoid penalties.
The minimum deposit for most CDs is $500. However, some special CDs like Jumbo CDs may require higher minimum deposits ($10,000 or more). Business CDs may also have different minimum requirements.
No, CDs are time deposits with fixed amounts. You cannot add additional funds to an existing CD. However, you can open multiple CDs with different terms and amounts to create a CD ladder strategy.
Start Earning More Today
Lock in guaranteed returns with our high-yield CDs. FDIC insured, competitive rates, and flexible terms to match your financial goals.