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Certificates of Deposit

At EverBank®, you can open a certificate of deposit Glossary to save money and earn a high yield that's pledged to be within the top 5% of competitive accounts available from leading banks.1 Or you can explore the world beyond the traditional CD with exciting offerings linked to investment indexes and opportunities to diversify your portfolio with foreign currencies. Whatever your situation—whether you are a conservative saver or an aggressive investor—we deliver FDIC insured CDs2 designed to complement your financial aspirations.

Yield PledgeSM CD

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An excellent choice for the saver seeking high yield CDs.

  • Interest rates pledged to be within the top 5% of competitive accounts available from leading banks.1
  • Wide range of maturities
  • Low minimum to open ($1,500)


MarketSafe® CD

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A safe choice for the individual intrigued by potential gains from investment indexes, but also desires security for their deposit.

  • Upside market potential returns
  • 100% deposited principal protection3
  • No account fees
  • Low minimum to open ($1,500)
  • FDIC insured for bank insolvency2

WorldCurrency® CDs

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These CDs could be a wise choice if you desire to diversify your portfolio with foreign currencies. With these CDs, you can earn money from the appreciation of the currency vs. the US dollar. Conversely, you can lose money if the dollar appreciates in relation to the foreign currency.

  • Interest locked in at time of purchase and paid at maturity
  • CD terms: 3, 6, and 12-months for single currency CDs; 3 and 6-month terms for Index CDs
  • FDIC insured for bank insolvency2


CDARS® CD

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An ideal choice if you require FDIC insurance on large balance deposits.

  • Security of receiving FDIC insurance on deposits up to $50 million4
  • High-yielding interest rates
  • Flexible terms available: 3 and 6 months, and 1 to 3 years
  • Opening deposit minimum of $10,000

I'm interested in opening a CD, what's my next step?

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  2. EverBank, the EverBank Infinity Sphere and EverBank logo, along with Yield Pledge, WorldCurrency and MarketSafe are proprietary service marks of EverBank. All rights reserved.
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Important Disclosures

  1. EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in the Bankrate.com National Index TM of leading banks and thrifts.

  2. EverBank is an FDIC insured federal savings association. The standard insurance amount of $250,000 is in effect through December 31, 2013. On January 1, 2014 the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. FDIC insurance covers against loss due to the failure of the institution, but not market related fluctuations including changes in currency prices. Due to the nature and volatility of the foreign exchange market, the values of currencies are subject to wide fluctuations against the U.S. dollar and investments in foreign currency denominated instruments will entail significant risk exposure to adverse movements of the foreign currency relative to the U.S. dollar. The amount of deposit insurance available for funds denominated in foreign currency will be determined and paid in the United States dollar equivalent of the foreign currency on the institution's date of default. As with all investments, you can lose money, including principal, due to currency fluctuations, over the term that you own it. Please only invest with money that you can afford to risk, and as part of a broadly diversified investment strategy.

  3. Principal protection only applies to CDs held to maturity.
  4. The Certificate of Deposit Account Registry Service (CDARS) offers Certificates of Deposit (CDs) that allow FDIC insurance in excess of single institution limits, subject to availability based on CD term and participation limits. Placement is based on date and time of application approval and funding. Deposits above single institution FDIC insurance limits will not benefit from higher insurance protection until the CDARS account is Placed. Accounts are Placed each week on Thursday or the next business day thereafter. Early withdrawal penalties apply. A minimum deposit of $10,000 is required to open the account. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. Published rates and APYs are not applicable to CDs in excess of $5 million; please call for a rate quote.

  5. The quoted annual percentage yield (APY) is current as of 2/4/2010 12:00:00 AM and applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Penalties for early withdrawal apply. A minimum deposit of $1,500 is required to open the account. Rates may change without notice prior to account opening.