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Pursuing market returns inspires you. Protecting your money does too.

MarketSafe CD

EverBank® MarketSafe® Certificates of Deposit Glossary offer a safe and low-cost alternative to potentially higher risk markets. These CDs combine the financial security offered by traditional CDs with the potential for a market upside payment based on the performance of the specific reference index. Now, you can take advantage of the market-driven returns with the peace of mind that your hard-earned deposited principal is 100% protected.1

Bed on beach

When you're the trendsetter, you often get the room with the best view.

MarketSafe® CDs can offer you the following benefits:

  • Higher earning potential than traditional CDs.
  • No market risk to your deposited principal with 100% principal protection
    and FDIC insurance.2
  • No account fees unlike those found with many money market, bond mutual, and stock market funds.
  • Low minimum balance of $1,500.

Take a look at our current MarketSafe CD offerings:

CD Terms Deadline Based On
>  Currency Returns CD 4-years 9/16/2010 Point-to-point price performance of the DBCR Index3
>  Diversified Metals CD 5-Year 8/05/2010 The equally weighted performance of the Spot Price of gold, silver and platinum

chart  How these CDs work
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How can I be sure that a MarketSafe CD is right for me?

Do you want to safely participate in a specific market or reference index without risking your deposited principal? If you answered "yes" to this question, then the MarketSafe CD could be right for you. You may benefit from the market's growth, while your deposited principal remains 100% safe from any potential market declines.

How does the MarketSafe CD work?

Quite simply, your return will be based either on the average price or point-to-point performance of the specific reference index. Regardless of the specific product return calculation used, you're still capable of a market upside payment based on the performance of the reference index. Please refer to the specific Product Term Sheet for complete details.

chart  We can show you a chart that illustrates both of these scenarios

What can you tell me about any risks associated with a MarketSafe CD?

A significant benefit of MarketSafe CDs is the 100% deposited principal protection, which means that regardless of the market's performance, your initial deposit is completely safe. Of course, since earnings are based on the potential market upside performance of the reference index, you're not guaranteed to receive a market upside payment. If this concerns you, then you may want to consider our Yield Pledge® CD, where we pledge that you'll earn a yield in the top 5% of competitive accounts available from leading banks.4

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Important Disclosures

  1. Except in the event of death or adjudication of incompetence of the holder of the MarketSafe CD, you may not withdraw any part of the CD prior to maturity. If you do withdraw early, even if that is due to the death or adjudicated incompetency of the holder of the CD, you will NOT receive Principal Protection and will NOT benefit from any upside potential of the Reference Index, experiencing a loss of principal as an early withdrawal charge. Consult the Product Term Sheet and MarketSafe Terms and Conditions for details.

  2. EverBank is an FDIC insured federal savings association. The standard FDIC insurance limit of $250,000 applies per depositor, per insured depository institution for each account ownership category.

  3. The MarketSafe Currency Returns CD (the "Product") is not sponsored, endorsed, sold or promoted by Deutsche Bank AG or any subsidiary or affiliate of Deutsche Bank AG. The DBCR Index (the "DB Index") is the exclusive property of Deutsche Bank AG. "Deutsche Bank" and "Deutsche Bank AG" and "Deutsche Bank AG, London Branch" and "DBCR" and "Deutsche Bank Currency Returns" are service marks of Deutsche Bank AG and have been licensed for use for certain purposes by EverBank. Neither Deutsche Bank AG, any affiliate of Deutsche Bank AG nor any other party involved in, or related to, making or compiling the DB Index makes any representation or warranty, express or implied, concerning the DB Index, the Product or the advisability of investing in securities generally. Neither Deutsche Bank AG, any affiliate of Deutsche Bank AG nor any other party involved in, or related to, making or compiling the DB Index has any obligation to take the needs of EverBank, the sponsor of the Product, its clients, any distributor of the Product or any holder of the Product into consideration in determining, composing or calculating the DB Index. Neither Deutsche Bank AG, any affiliate of Deutsche Bank AG nor any other party involved in, or related to, making or compiling the DB Index is responsible for or has participated in the determination of the timing of, prices at, quantities or valuation of the Product. Neither Deutsche Bank AG, any affiliate of Deutsche Bank AG nor any other party involved in, or related to, making or compiling the DB Index has any obligation or liability in connection with the issuance, distribution, administration, marketing or trading of the Product.

    NEITHER DEUTSCHE BANK AG, ANY AFFILIATE OF DEUTSCHE BANK AG NOR ANY OTHER PARTY INVOLVED IN, OR RELATED TO, MAKING OR COMPILING THE DB INDEX WARRANTS OR GUARANTEES THE ACCURACY AND/OR THE COMPLETENESS OF THE DB INDEX OR THE PRODUCT OR ANY DATA INCLUDED THEREIN AND SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. NEITHER DEUTSCHE BANK AG, ANY AFFILIATE OF DEUTSCHE BANK AG NOR ANY OTHER PARTY INVOLVED IN, OR RELATED TO, MAKING OR COMPILING THE DB INDEX MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS OR RETURNS TO BE OBTAINED BY EVERBANK FROM THE USE OF THE DB INDEX OR ANY DATA INCLUDED THEREIN OR FROM INVESTING IN THE PRODUCT. NEITHER DEUTSCHE BANK AG, ANY AFFILIATE OF DEUTSCHE BANK AG NOR ANY OTHER PARTY INVOLVED IN, OR RELATED TO, MAKING OR COMPILING THE DB INDEX MAKES ANY EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE DB INDEX OR ANY DATA INCLUDED THEREIN OR IN THE PRODUCT. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL DEUTSCHE BANK AG, ANY AFFILIATE OF DEUTSCHE BANK AG OR ANY OTHER PARTY INVOLVED IN, OR RELATED TO, MAKING OR COMPILING THE DB INDEX HAVE ANY LIABILITY FOR DIRECT, INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL OR ANY OTHER DAMAGES OR LOSSES (INCLUDING LOST PROFITS) IN CONNECTION WITH THE DB INDEX OR THE PRODUCT, EVEN IF NOTIFIED OF THE POSSIBILITY THEREOF. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN DEUTSCHE BANK AG AND EVERBANK.

    No purchaser, seller or holder of the Product, or any other person or entity, should use or refer to any Deutsche Bank trade name, trademark or service mark to sponsor, endorse, market or promote the Product unless this statement is included in any Product Documentation in connection therewith. Under no circumstances may any person or entity claim any affiliation with Deutsche Bank without the written permission of Deutsche Bank.

    By using the Product, you acknowledge and agree that neither Deutsche Bank AG nor any subsidiary or affiliate of Deutsche Bank AG shall have any liability or responsibility to any person or entity for any loss, damages, costs, charges, expenses or other liabilities whether caused by the negligence of Deutsche Bank AG or any subsidiary or affiliate of Deutsche Bank AG or otherwise, arising in connection with the use of the Product or the DB Index."

  4. EverBank pledges to keep the yield on your account in the top 5% of competitive accounts as tracked in  Bankrate Monitor, a weekly national survey of large banks and thrifts, surveyed by Bankrate.com.