No risk, no reward? Don't bet on it.

How much money to risk on a new market opportunity? It's a balancing act like few others. It could mean a big payday or total loss. In creating our MarketSafe CDs, we've removed concern over principal risk from the equation.¹ Discover this safe alternative for tapping into the potential of historically risky markets like foreign currencies and commodities today.

SEE HOW RISK-FREE DIVERSIFICATION WORKS

Open and fund by November 16, 2017

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CDs now available

MarketSafe^® Emerging Currencies CD

The first issue was so well-received, we’re extending the opportunity with a second issue. From now until November 16, open your portfolio to the potential of five equally-weighted emerging market currencies² with the chance to earn a market upside payment of seven times the CD’s performance at maturity, with no cap.

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MarketSafe Emerging Currencies CD Highlights

Gain exposure to five equally weighted foreign currencies²
Earn a potential market upside payment of seven times the CD’s performance at maturity, with no cap
Returns are based on performance—no Annual Percentage Yield or periodic interest rate is paid on this CD, and OID reporting rules apply.³
Get back all deposited principal at maturity regardless of CD performance¹

How it works

With a MarketSafe CD, your deposited principal is always secure. At CD maturity, that's the least you get back.¹ Of course, that would only happen if the CD's performance is not positive. Conversely, if the CD's performance is positive, you'll earn a market upside payment on top of your principal. The actual rules governing each CD’s performance and how the potential upside payment is calculated vary from CD to CD and are fully explained in each CD issue's term sheet.

Term sheet access

Access the term sheets for past issues of the MarketSafe CD.

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iImportant Disclosures

MarketSafe^®CDs, if held to the Maturity Date, will have a guaranteed return of the deposited principal ("Principal Protection"). Principal Protection only applies to CDs held to maturity. In the event of TIAA, FSB's failure, all of your deposits with TIAA, FSB (including this MarketSafe CD) will be aggregated and insured by the FDIC up to the $250,000 maximum. 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. See the Specific Terms - MarketSafe Certificate of Deposit Accounts section in your Account Terms, Disclosures and Agreements Booklet for more information.
These currencies are not being acquired by you or the bank. The Market Upside Payment of this CD will be based on the equally weighted value of the stated currencies as measured on the Initial Value Date and Final Value Date as described in the Product Calculation Rules in the Term Sheet (the “Reference Index”). On the Initial and Final Value Dates, the prices of the currencies of the MarketSafe Emerging Currencies CD will be quoted from Reuters using the following symbols: Brazilian real-BRLPTAX=CBBR, Chinese renminbi-CNHFIX=, Indian rupee-INRFIX=RBIA, Indonesian rupiah-JISDOR= and Turkish lira-USDTRYFIXM=WM. In the event Reuters fails to publish such prices for any one or all of the currencies, we reserve the right to use an alternative equivalent index or price determination in its discretion.
For U.S. federal income tax purposes, we intend to treat this MarketSafe CD as a “contingent payment debt instrument.” Under federal tax regulations applicable to such instruments, we will report and you will be required to include on your federal income tax return as interest income an amount of original issue discount (“OID”) for each year that you hold this CD, even though actual interest payments on this CD (if any) will not be made until maturity. This deemed accrual will be based on a comparable EverBank Yield Pledge^® CD interest rate for an equivalent term. The Deemed Interest Rate will be fixed following the Issue Date and will be reflected on your CD confirmation. Please see the Specific Terms - MarketSafe Certificate of Deposit Accounts section in your Account Terms, Disclosures, and Agreements Booklet for additional information. You should consult your own tax advisor concerning the income tax consequences of investing in this CD.