FDIC-Insured Certificates of Deposit Investors who are looking for a short-term cash alternative often find certificates of deposit to their liking.CDs are short- or medium-term debt investments offered by banks and savings and loans. CDs also can be purchased through most brokerage firms. Depending on other deposits, CD's can be insured for up to $250,000 per depositor, per institution, in interest and principal by the Federal Deposit Insurance Corp. (FDIC).CD holders agree to keep their money in the account for a specified amount of time anywhere from one month to five years. If money is withdrawn from a bank-purchased CD before the specified period expires, the CD holder may face penalties. CURRENT RATES - AS OF MARKET CLOSE 2/11/2019TermRate6 Month2.30%1 Year2.45%18 Month2.50%2 Year2.60%3 Year2.80%4 Year3.00%5 Year3.15%*Annual Percentage Yield (APY), effective 1/17/2019 APY interest cannot remain on deposit; periodic payout of interest is required. Certificates of deposit (CDs) offered are bank-issued and FDIC-insured up to $250,000 (principal and accrued interest accrued but not yet paid) per depositor, per depository institution, for each account ownership category. Please visit www.fdic.gov or contact your financial advisor for additional information. Subject to availability and price change. CD values are subject to interest rate risk such that when interest rates rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the investor can lose principal value. FDIC insurance does not cover losses in market value. Early withdrawal may not be permitted. Maturities and/or rates may not be available in all states. Have a Question Name Email Phone Question Thank you! Oops!