What Your CD Test Score Means

Find Out What CD Is Right For You

If you’re looking for an investment that protects your principle while giving you a higher return than traditional savings accounts, Certificates of Deposit (CDs) are a smart option. They are FDIC insured which means that your money is protected by the US Government up to $100,000. To help you decide whether a short-, medium- or long-term CD is right for you, compare your test score to the chart below.

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If Your CD Test Score is…

Under 70 points:

You need a lot of liquidity, so a CD may not be right for you. Keep accumulating money in an investment savings account, like a money market account.

70 to 80 points:

You need some liquidity, but you can afford to lock your money in for a short period of time. Choose a short-term CD that matures in 7 days to 12 months, and match the maturity date to your needs.

85 to 95 points:

You will probably require access to your funds within the next 12 to 24 months. Select a medium-term CD that matures in 1 to 2 years, and match the maturity date to your needs.

100 points or more:

You can afford to take advantage of the higher interest rates a long-term CD yields. Consider a CD that matures in 2 to 10 years, and match the maturity date to your needs.

Current CD Rates

Account Product Name Minimum Opening DepositMinimum Balance to Obtain Annual Percentage YieldInterest RateAnnual Percentage Yield
91 Day Certificate of Deposit a$1,000.00 $1,000.00 c0.15%0.15%
6 Month Certificate of Deposit a$1,000.00 $1,000.00 c0.40%0.40%
7 Month Certificate of Deposit a$10,000.00 $10,000.00 c0.45%0.45%
One Year Certificate of Deposit/IRA a
$500.00$500.00 c0.60%0.60%
Two Year Certificate of Deposit/IRA a$500.00$500.00 c0.90%0.90%
Three Year Certificate of Deposit/IRA a$500.00$500.00 c1.15%1.15%
Four Year Certificate of Deposit/IRA a$500.00$500.00 c1.25%1.26%
Five Year Certificate of Deposit/IRA a$500.00$500.00 c1.50%1.51%
Six Year Certificate of Deposit/IRA a$500.00$500.00 c1.75%1.76%
a) A penalty may be imposed for early withdrawal
b) The interest rate and annual percentage yield may change after account opening
c) Daily balance: The amount of the principal in the account each day. Fees could reduce the earnings of the account.
Interest Rates and Annual Percentage Yields are current as of June 21, 2022.

The above chart is for your information only. Be sure to consult a customer service representative before opening a certificate of deposit or money market account. ©2014 The Forms Group, All Rights Reserved.


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