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Multiple currencies in one CD. What an innovative idea.

You'll appreciate greater diversity from combined currencies



WorldCurrency Certificates of Deposit - Multi-currency

When seeking greater global diversity, our WorldCurrencySM Index Certificates of Deposit Glossary could be great additions to your portfolio. We offer a selection of CDs each comprised of multiple foreign currencies from countries with specific regional strengths, and/or geopolitical and economic characteristics.

  • New World EnergySM CD


    Three non-Middle Eastern countries rich in energy resources. Their currencies combined in one CD.
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WorldCurrencySM Index CDs offer the following benefits and features:

  • Available in 3-, and 6-month terms.
  • Returns based on a fixed-interest rate and any changes in the values of the currencies that comprise the Index CD versus the U.S. dollar. If any of the currencies lose value versus the U.S. dollar, you could potentially experience a loss of principal.
  • Choose from a range of diverse CDs comprised of three or more foreign currencies.
  • No monthly account fees.
  • Open with a competitive minimum deposit of $20,000.
  • FDIC insured for bank insolvency.1

WorldCurrency Index CD Yields - $20,000 ($US) Minimum Deposit


Annual Percentage Yield (APY)2
Rates as of 9/5/2008 12:00:00 AM
3 month 6 month
Multi-currency CDs Currencies Rate APY Rate APY
Commodity Index CD
Comprised of 4 currencies from commodity-based countries.		 Australian dollar - 25%
Canadian dollar - 25%
New Zealand dollar - 25%
South African rand - 25%		 5.25% 5.35% 5.50% 5.58%
Euro Trax® Index CD
Comprised of 4 currencies from countries with strong economies.		 Euro - 40%
Norwegian krone - 20%
Swedish krona - 20%
Swiss franc - 20%		 2.40% 2.42% 2.50% 2.52%
European Opportunity Index CD
Comprised of 3 currencies from countries transitioning to the euro.		 Hungarian forints - 37.5%
Polish zloty - 37.5%
Czech koruna - 25%		 3.15% 3.19% 3.25% 3.28%
Geographic Index CD
Comprised of 4 currenices from 4 different continents.		 Australian dollar - 25%
Euro - 25%
Hong Kong dollar - 25%
Mexican peso - 25%		 3.50% 3.55% 3.00% 3.02%
Investor's Opportunity Index CD
Comprised of 4 currencies from growing economies.		 Mexican peso - 40%
Australian dollar - 20%
Euro - 20%
New Zealand dollar - 20%		 3.85% 3.91% 4.00% 4.04%
New World EnergySM Index CD
Comprised of 3 non-middle eastern energy producing countries.		 Australian dollar - 33.3%
Canadian dollar - 33.3%
Norwegian krone - 33.3%		 3.40% 3.44% 3.45% 3.48%
Pacific Advantage Index CD
Comprised of 4 major currencies from the Pacific region.		 New Zealand dollar - 40%
Hong Kong dollar - 20%
Japanese yen - 20%
Singapore dollar - 20%		 1.75% 1.76% 1.77% 1.78%
Pan-AsianSM Index CD
Comprised of 4 major currencies from the Pan-Asian region.		 Australian dollar - 40%
Hong Kong dollar - 20%
Japanese yen - 20%
Singapore dollar - 20%		 1.50% 1.51% 1.75% 1.76%
Petrol Index CD
Comprised of 3 major currencies from non-Middle Eastern oil producing and exporting nations.		 British pound - 33.3%
Mexican peso - 33.3%
Norwegian krone - 33.3%		 4.00% 4.06% 4.13% 4.17%
Prudent Central Bank Index CD
Comprised of 4 major currencies from countries with strong, inflation-fighting Central Banks.		 Australian dollar - 25%
British pound - 25%
Euro - 25%
New Zealand dollar - 25%		 3.50% 3.55% 3.75% 3.79%
Viking Index CD
Comprised of 3 currencies from Nordic countries.		 Norwegian krone - 40%
Danish krone - 30%
Swedish krona - 30%		 3.00% 3.03% 3.13% 3.15%
World Energy Index CD
Comprised of 4 non-middle eastern energy producing countries.		 Australian dollar - 25%
British pound - 25%
Canadian dollar - 25%
Norwegian krone - 25%		 4.00% 4.06% 4.13% 4.17%

Your WorldCurrency Index CD includes the EverBank® Asset Manager Service Glossary, which automatically combines all of your banking, World Markets and other EverBank investment accounts into one relationship.

What should I consider before I open a foreign currency account at EverBank®?

We feel it's important to assess your tolerance for the risks associated with currency fluctuations. While FDIC insurance will protect you from bank failure up to $100,000, currency values can be affected by various geopolitical and economic influences and this can negatively and positively impact the amount of your deposit. We recommend that you carefully consider both the potential for currency appreciation (or loss) along with the rate of interest that you may earn when assessing the use of foreign currency products as part of a broadly diversified investment strategy.

We encourage you to use our foreign currency resources to educate yourself about currency investing and the factors that influence currency values.

What can you tell me about any risks associated with WorldCurrency Index CD accounts?

While FDIC insurance will protect you from bank failure up to $100,000, it's important to understand that your deposit will be susceptible to losses or gains due to currency-price fluctuations. Various geopolitical and economic influences can affect a currency's value. We recommend that you carefully consider both the potential for currency appreciation (or loss) along with the rate of interest that you may earn when assessing the use of foreign currency products as part of a broadly diversified investment strategy.

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

Please note: Not all investments are right for all investors. You should conduct your own research and/or consult with an investment advisor before making any investment.

  • Before opening a WorldCurrency account, we recommend reading what to expect when opening a currency account.
  • Once you select the currency offering that's right for you, apply online or call 800.926.4922 for more information.
  • For your protection, we require that you sign and mail your application along with a deposit.
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  2. EverBank, EverTrade, the EverBank Infinity Sphere and the EverBank logo, along with WorldCurrency, Euro Trax, World Energy, Pan-Asian and MarketSafe are proprietary service marks of EverBank. All rights reserved.