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. Discover this safe alternative for tapping into the potential of historically risky markets like foreign currencies and commodities today.

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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.