Fixed-Rate Share Certificate. Open with $500; Three to 60-month fixed term; Guaranteed return; Lock in your rate when you open share certificate Risk-Free Fixed Rate Share Certificate. Open with $500; 18-month fixed term; Guaranteed return; Can change term once within first six months; New term must be at least 12 months; View Risk-Free Fixed. Let’s say you have a 12-month CD worth $1,000 that garners 2.4% APY. In the first year, the value of your CD will increase to $1,024. Now imagine you were able to get a 12-month CD rate of 2.5% APY. At the end of the year, your CD will be worth $1,025. As examples, the 12-month CD EWP is 180 days of interest, and the 60-month CD EWP is 360 days of interest. One or more beneficiaries can be designated on CD accounts, and social security numbers are not required for the beneficiaries. CD can also be opened as a trust account. IRA CDs are available with the same rates and terms as the regular CDs.
60-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $9,999.99 | 0.80 % | 0.80 % | |
| $10,000.00 - $49,999.99 | 0.85 % | 0.85 % | |
| $50,000.00 - $74,999.99 | 0.85 % | 0.85 % | |
| $75,000.00 - $99,999.99 | 0.90 % | 0.90 % | |
| $100,000.00 or more | 0.95 % | 0.95 % | |
48-Month Bump-Up - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 or more | 0.60 % | 0.60 % | |
48-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $9,999.99 | 0.70 % | 0.70 % | |
| $10,000.00 - $49,999.99 | 0.75 % | 0.75 % | |
| $50,000.00 - $74,999.99 | 0.75 % | 0.75 % | |
| $75,000.00 - $99,999.99 | 0.80 % | 0.80 % | |
| $100,000.00 or more | 0.85 % | 0.85 % | |
36-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $9,999.99 | 0.60 % | 0.60 % | |
| $10,000.00 - $49,999.99 | 0.65 % | 0.65 % | |
| $50,000.00 - $74,999.99 | 0.65 % | 0.65 % | |
| $75,000.00 - $99,999.99 | 0.70 % | 0.70 % | |
| $100,000.00 or more | 0.75 % | 0.75 % | |
30-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $9,999.99 | 0.55 % | 0.55 % | |
| $10,000.00 - $49,999.99 | 0.60 % | 0.60 % | |
| $50,000.00 - $74,999.99 | 0.60 % | 0.60 % | |
| $75,000.00 - $99,999.99 | 0.65 % | 0.65 % | |
| $100,000.00 or more | 0.70 % | 0.70 % | |
24-Month Add On - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 or more | 0.40 % | 0.40 % | |
24-Month Bump Up - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 or more | 0.40 % | 0.40 % | |
24-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $9,999.99 | 0.50 % | 0.50 % | |
| $10,000.00 - $49,999.99 | 0.55 % | 0.55 % | |
| $50,000.00 - $74,999.99 | 0.55 % | 0.55 % | |
| $75,000.00 - $99,999.99 | 0.60 % | 0.60 % | |
| $100,000.00 or more | 0.65 % | 0.65 % | |
18-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $9,999.99 | 0.45 % | 0.45 % | |
| $10,000.00 - $49,999.99 | 0.50 % | 0.50 % | |
| $50,000.00 - $74,999.99 | 0.50 % | 0.50 % | |
| $75,000.00 - $99,999.99 | 0.55 % | 0.55 % | |
| $100,000.00 or more | 0.60 % | 0.60 % | |
12-Month Add On - (Minimum Opening Deposit $100)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $100.00 or more | 0.25 % | 0.25 % | |
12 Month Bump-Up - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 or more | 0.25 % | 0.25 % | |
12-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $9,999.99 | 0.35 % | 0.35 % | |
| $10,000.00 - $49,999.99 | 0.40 % | 0.40 % | |
| $50,000.00 - $74,999.99 | 0.40 % | 0.40 % | |
| $75,000.00 - $99,999.99 | 0.45 % | 0.45 % | |
| $100,000.00 or more | 0.50 % | 0.50 % | |
9-Month No Penalty - (Minimum Opening Deposit $5,000)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $5,000.00 or more | 0.15 % | 0.15 % | |
6-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $49,999.99 | 0.20 % | 0.20 % | |
| $50,000.00 - $74,999.99 | 0.25 % | 0.25 % | |
| $75,000.00 - $99,999.99 | 0.30 % | 0.30 % | |
| $100,000.00 or more | 0.35 % | 0.35 % | |
3-Month* - (Minimum Opening Deposit $500)OPEN ONLINE | |||
| Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
| $500.00 - $49,999.99 | 0.15 % | 0.15 % | |
| $50,000.00 - $74,999.99 | 0.20 % | 0.20 % | |
| $75,000.00 - $99,999.99 | 0.25 % | 0.25 % | |
| $100,000.00 or more | 0.30 % | 0.30 % | |
High-Rate 12-Month CD
Looking for a slightly longer term—and slightly higher rate? Then our 12-month certificate of deposit (CD) could be the better choice.
- One of the best rates around
- Get a great guaranteed rate of return over 12 months
- Keep track of your CD with online and mobile banking
- Open one with just $500
More high-rate CDs to help you achieve your savings goals.
| TERM | APY* | |
|---|---|---|
| 30 Day | 0.05% | Apply Now |
| 3 Month | 0.25% | Apply Now |
| 5 Month | 0.15% | Apply Now |
| 9 Month | 0.30% | Apply Now |
| 12 Month | 0.60% | Apply Now |
| 18 Month | 0.45% | Apply Now |
| 24 Month | 0.45% | Apply Now |
| 30 Month | 0.45% | Apply Now |
| 36 Month | 0.45% | Apply Now |
| 48 Month | 0.45% | Apply Now |
| 60 Month | 0.45% | Apply Now |
Annual Percentage Yields (APY) are variable and effective as of 03/06/2021. CD rates are fixed upon opening the account. Early withdrawal penalties apply.
It’s easy to open a BrioDirect high-rate CD: Complete an online application right now in minutes. All you need is your contact information, driver’s license, passport or state I.D. and Social Security number.
Why should I choose a BrioDirect high-yield CD?
We offer great rates, which can make a BrioDirect CD an excellent way to achieve your savings goals.
post_content);?>-->Is opening a BrioDirect account simple?
Yes! You can complete a BrioDirect account application online in minutes.
post_content);?>-->What do I need to open my account?
You just need your contact information, driver’s license, passport or state I.D. and Social Security number.
post_content);?>-->How do I make my initial deposit?
The easiest way is through an automated clearinghouse (ACH) payment from an existing checking or savings account. You can also fund via Check or Wire, click here to learn more.
12 Month Cd Rates 2019
Have a question about how ACH works? Please call 877-369-BRIO and speak to a client service representative.
post_content);?>-->Is my money safe and secure with BrioDirect?
BrioDirect is the online brand of Sterling National Bank. Founded in 1888, Sterling is rated one of “America’s 100 Best Banks” by Forbes and an FDIC insured institution. Your deposit account is provided by Sterling National Bank, and you will be a Sterling National Bank client when you open your account.
post_content);?>-->Is there a penalty if I take my money out of a CD?
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Yes, if you take money out of a CD before the end of its term, you will be subject to an early withdrawal penalty. Please view product disclosures for details.
post_content);?>-->I already have a deposit account with Sterling National Bank. How does this impact my FDIC insurance coverage?
Accounts that are opened via briodirectbanking.com and marketed by BrioDirect are Sterling National Bank accounts. Deposits in these accounts are made with Sterling National Bank. For purposes of determining how much FDIC insurance is applicable to your accounts, you need to consider not only the BrioDirect online savings or CD accounts that you maintain, but also all other accounts you maintain at Sterling National Bank. If you have a question about your FDIC insurance coverage, please call 877-369-BRIO and speak to a client service representative.
post_content);?>-->12 Month Cd Rates History
What are fixed rate products?
Fixed rate products allow clients to lock in a particular rate upon opening the account, for a set amount of time. BrioDirect High-Yield CDs are fixed-rate products. Early withdrawal penalties apply. We have many terms available! Pick a term that works best for your savings goals. View Terms