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2.50%*annual percentage yield

Certificate of Deposit

15 Month Term

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Account Highlights

  • For EmigrantDirect account holders only.
  • Low minimum deposit balance of only $1,000.
  • Interest is compounded daily and credited monthly.
  • Automatic notification prior to maturity.
  • FDIC Insurance to the maximum extent allowed by law.
  • A penalty will be imposed for early withdrawal.
  • Have a question? Visit our online banking FAQ page.

Additional Certificates of Deposit

  • 6 Month Term available at 3.00% APY.**
  • 16 to 59 Month Terms available at 2.25% APY.***
  • 60 to 120 Month Terms available at 2.00% APY.****
  • Minimum $1,000 deposit.
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© 2025 EmigrantDirect, a division of Emigrant Bank, Member FDIC, Certificate No. 57083. All rights reserved.
*Annual Percentage Yield is effective March 05, 2025 and is subject to change. Subject to penalty for early withdrawal.
**Annual Percentage Yield is effective March 05, 2025 and is subject to change. Subject to penalty for early withdrawal.
***Annual Percentage Yield is effective March 05, 2025 and is subject to change. Subject to penalty for early withdrawal.
****Annual Percentage Yield is effective November 30, 2024 and is subject to change. Subject to penalty for early withdrawal.