Rates: All CDs offered are insured by the FDIC or NCUA and are subject to applicable federal insurance limits. Furthermore, as a condition of issuance, each institution meets FDIC or NCUA guidelines governing the issuance of brokered deposits. Rates are to be treated as "Subject" offerings due to availability. All rates offered are net of any fees.

APY: Annual Percentage Yield (APY), established by the Board of Governors of the Federal Reserve System for the uniform quotation of deposit interest rates. The APY is the yield your deposit will earn over the term of a year. It refers to your income earned. The APY is unique because it takes compounding into account. Compounding is the the process of receiving interest-on-interest. The quoted APY tells you how much you are actually making on your money.

Opening a CDVantage Account at Anthem Bank enables you to purchase CDs from our nationally sourced inventory and to have those investments held in custody for you at Anthem Bank. You must must have a CDVantage Money Market* account to view the full daily Inventory list and make purchases. You must complete the Online Application in order to join CDVantage and open your account.

• Once your account is opened and funded, you will receive instructions for how to access your CDVantage Member dashboard. From your secure dashboard, you will see our full available CD inventory and be able to make purchase requests live online.
• CDVantage inventory is made available to our customers on a "subject" basis due to availability and prevailing market conditions.
• After submitting a purchase order, the CD will not be confirmed as purchased until such time that the buyer receives an email or a telephone call from a CDVantage representative, affirming your "Purchase Confirmation".
• At this point the CD purchase is confirmed, settlement instructions are sent along with the required settlement amount. Anthem Bank & Trust will then debit the necessary funds from your CDVantage Money Market Account on the settlement day.