Our CD Inventory List is updated daily and contains selections from institutions across the nation. Each CD below is from a different financial institution allowing for maximized federal deposit insurance of $250,000.00 per account at each institution.

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.

The FDIC and NCUA provide deposit insurance to protect your money. Your deposits are insured up to the maximum allowable by law at each Federally Insured financial institution. By purchasing CDs from multiple banks and credit unions nationwide through our unique online portal, you can safely invest in nearly an unlimited number of CDs, knowing that each one is Federally Insured up to the maximum amount allowable by law.

It is important to note that the FDIC and NCUA aggregate all accounts that a customer has in a financial depository institution when they calculate the insured limit. Customers need to consider any accounts held outside of their CDVantage account when considering purchasing a CD to assure themselves that they have not exceeded the insurance limit. Here is a helpful calculator the FDIC suggests using when considering an aggregated total (click here).