InvestorsCD

InvestorsCD

Maximize your CD interest with 30-month InvestorsCD Step-Up Special.

InvestorsCDs are time deposits designed for individuals who have funds in reserve that will not need to be accessed for the longer term. InvestorsCDs are FDIC insured and generally offer a higher interest rate than a standard savings account.

In addition to three-month, six-month, one-year, three-year and five-year CD options, InvestorsBank offers its 30-month InvestorsCD Step-Up which allows you to maximize your CD interest rate. With a minimum deposit of $10,000, the InvestorsCD Step-Up allows a one-time interest rate readjustment increase that is earned during the remainder of the term of the CD.

For your convenience, InvestorsCD accounts for individuals may also be opened online.

For additional information, or to open an a 30-month InvestorsCD Step-Up account, contact one of our personal bankers by calling 262-523-1000.

Effective February 10, 2011 subject to change without notice.

InvestorsCD Deposit Rates

Available to individuals who are at least 18 years old and a citizen of the United States.

 CD Amount
$1,000-24,999		CD Amount
$25,000 or more
TermInterest RateAnnual
Percentage Yield		Interest RateAnnual
Percentage Yield
Three Months 0.15% 0.15% 0.40% 0.40%
Six Months 0.25% 0.25% 0.50% 0.50%
One Year 0.40% 0.40% 0.65% 0.65%
Three Years 0.83% 0.83% 1.08% 1.08%
Five Years 1.35% 1.35% 1.60% 1.61%

The daily balance method is used to calculate interest. This method applies a daily periodic rate of interest to the collected balance in your account each day. Interest begins to accrue on the date that your deposit becomes collected funds. There is no service charge, management fee, or commission on certificates of deposit. Our minimum deposit is $1,000.Your deposit will earn the rate stated on your certificate until maturity. Substantial penalties may apply for early withdrawal.

Accrued interest will be compounded and credited to your account semi-annually. You may choose to withdraw interest from your certificate if you deposit the interest in another account at InvestorsBank. Otherwise, we will add the interest to your certificate.

The annual percentage yield assumes interest will remain on deposit until maturity. If you withdraw interest from your certificate, earnings on the certificate will be reduced. If you add interest to the certificate on interest payment dates, you will earn the annual percentage yield.

You may choose to have your deposit automatically renew at maturity. You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Prior to maturity, principal may be withdrawn subject to an early withdrawal penalty. If the certificate of deposit has a maturity of one year or less, the penalty will be equal to three months of interest. If the certificate of deposit has a maturity of more than one year, the penalty will be equal to six months interest.

All accounts are subject to the eDeposit Agreement.

Minimum deposit to open a CD is $1,000. Penalties may apply for early withdrawal.