Benefits at a glance

High interest rates and quick access to funds. FDIC insurance up to $250,000.

Mid-tier interest rates and quick access to funds. FDIC insurance up to 250 million.

High and varied interest rates for those valuing the opportunity to view and purchase CDs from many different banks around the country. Maximized FDIC coverage up to $250,000 for each CD..

An interest-bearing account that makes it easy to write and manage checks and transfer or withdraw money, with free online banking and bill pay, and unlimited check writing.

A statement savings account offering you a safe and convenient way to watch your savings grow with full access to funds.

Minimum to open

$5000 minimum to open account. $100,000 minimum per CD purchase.

$500 to open an account. $1000 minimum daily balance to earn interest.

$150 minimum to open. $250 minimum daily balance to earn interest.

Monthly Service Fee

$0 as long as you have an Anthem checking account

$0 as long as you have an Anthem checking account

N/A

$0 with a $1000 minimum daily balance, or $10 monthly without minimum balance.

$0 with a $150 minimum daily balance or $5 quarterly without minimum balance.

Interest Rate

1% APY on average daily balances (“ADB”) below $9,999

2% APY on ADB between $10,000 and $49,999

2.5% APY on ADB between 
$50,000 and $99,999

3% APY on ADB from  
$100,000 to $999,999 

3.5% APY on ADB above $1mm

1% APY on average daily balances (“ADB”) below $9,999

2% APY on ADB between $10,000 and $49,999

2.5% APY on ADB between $50,000 and $99,999

2.85% APY on ADB over $100,000

Also offers up to $285mm in FDIC insured balances

CDVantage sources and brokers CD offerings from many different banks around the country to bring you our highest available rates with abundant terms options.

Extensive lists of available CDs (typically 50 or more) are updated weekly.

The entire collected balance earns the daily rate for the highest tier in which the collected balance falls. Interest is paid monthly on the daily collected balance.

Please contact your local branch for current rates.

The entire collected balance earns the daily rate for the highest tier in which the collected balance falls. Interest is paid monthly on the daily collected balance.

Please contact your local branch for current rates.

Access to Funds

Quick access to money: Limited to six withdrawals per month

Quick access to money: Limited to six withdrawals per month

Quick access to interest deposited into your CDVantage Money Market (Limited to six withdrawals per month). Access to principal occurs when the term of the CD fully matures.

Unlimited. No limit on access to funds.

Unlimited. No limit on access to funds.

FDIC Insurance

$250,000 per Anthem customer.

Up to $250 Million per account holder 

Potentially Unlimited: Up to $250,000 per CD from each issuing bank. *

$250,000 per Anthem customer.

Best For

RISE Money Market: Best for those seeking the highest rate on their savings and quick access to the money

SHIELD Money Market: Best for those who want to know their balances are completely covered from a risk perspective, but also want quick access to the money.

CDVantage: Best for higher-level investors who value one account to purchase higher-yield CDs from different banks all around the country, and maximize Federal insurance coverage to potentially unlimited amounts.

Platinum Checking Account: Best for those wanting to earn interest on their checking accounts, pay bills and transfer funds, with free online bill pay and unlimited check writing.

Personal Savings Account: Best for fully accessible, longer terms savings that earns interest and is FDIC insured up to $250,000 per customer.