Foreign Currencies and CDs. We think that's a great combination.
We bring foreign currencies closer to home with a familiar product.

WorldCurrency Certificate of Deposit - Single-currency
If you seek to diversify your portfolio globally, then foreign currencies could be a beneficial addition. And our WorldCurrency  can make adding currencies a simple process—and potentially rewarding too. You earn interest in the currency of your choice and potentially benefit from appreciation against the U.S. dollar. However if your selected currency depreciates against the U.S. dollar, you could experience a loss to some of your principal deposit. We also offer competitive  within 1% of the wholesale spot price EverBank® pays for the currency—among the lowest in the nation.1


From Australia
to Switzerland

Earn interest from a wide selection of foreign currencies.
Features of our WorldCurrency CD:
  • Available in 3-, 6-, 9-, and 12-month terms.
  • Returns based on a fixed interest rate and potential appreciation in the selected foreign currency versus the U.S. dollar. However, if the selected currency loses value versus the U.S. dollar, you could experience a loss of principal.
  • No monthly account fees.
  • Open with a competitive minimum deposit of $10,000 (some exceptions may apply).
  • FDIC insured for bank insolvency.2


WorldCurrency CD Yields - $10,000 ($US) Minimum Deposit (some exceptions apply)
Annual percentage yield (APY)3
Rates as of 8/29/2008 12:00:00 AM
3-Month 6-Month 9-Month 12-Month
Currency Name Rate APY Rate APY Rate APY Rate APY
Australian dollar 5.25% 5.35% 5.50% 5.58% 5.50% 5.54% 5.60% 5.60%
Brazilian real 6.25% 6.40% na na na na na na
British pound 3.25% 3.29% 3.50% 3.53% 3.50% 3.52% 3.50% 3.50%
Canadian dollar 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
Czech koruna 3.15% 3.19% 3.25% 3.28% na na na na
Danish krone 2.00% 2.02% 2.13% 2.14% na na na na
Euro 2.38% 2.40% 2.63% 2.64% 2.63% 2.63% 2.75% 2.75%
Hong Kong dollar 1.00% 1.00% 1.00% 1.00% na na na na
Icelandic krona 2.50% 2.52% na na na na na na
Indian rupee 3.00% 3.03% na na na na na na
Japanese yen 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Mexican peso 5.00% 5.09% 5.25% 5.32% na na na na
New Zealand dollar 6.13% 6.27% 6.13% 6.22% 6.00% 6.05% 6.00% 6.00%
Norwegian krone 4.00% 4.06% 4.25% 4.30% 4.25% 4.27% 4.38% 4.38%
Singapore dollar 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% na na
South African rand 8.75% 9.04% 8.75% 8.94% na na na na
Swedish krona 2.75% 2.78% 3.00% 3.02% 3.00% 3.01% 3.25% 3.25%
Swiss franc 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.75% 0.75%


Your WorldCurrency CD Account includes the EverBank  which automatically combines all your banking, WorldCurrency and other EverBank accounts into one online account management site.

How can I be sure that opening a WorldCurrency CD is right for me?
Our WorldCurrency CDs deliver an easy way for you to participate in the often complex world of foreign currencies. These CDs can be useful in hedging your U.S. dollar investments or rounding out your long-term portfolio strategy. We encourage you to use our currency tools and resources to educate yourself about currency investing and assess your tolerance for the associated risks.

What can you tell me about any market risks associated with WorldCurrency 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.2 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 CD account, what is 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.