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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.1
  • 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.


We do not have any MarketSafe
offerings at this time.

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 PledgeSM CD, where we pledge that you'll earn a yield in the top 5% of competitive accounts available from leading banks.3

  1.  
  2. EverBank, EverTrade, the EverBank Infinity Sphere and EverBank logo, along with MarketSafe and Yield Pledge are proprietary service marks of EverBank. All rights reserved.

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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 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.
  3. 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.