Research & education · 02
Certificates of Deposit (CDs)
Banking and finance, with the detail in focus. Explore U.S. bank CDs and brokered CDs through maturity terms, issuer documentation and the conditions of deposit protection.
Request CD InformationCD comparison centre
Beyond the headline rate.
Only staff-verified USD CD quotes explicitly documented as APY can appear as current. Verification expires automatically; a published quote is not a reservation or a promise that it remains obtainable.
| Issuer | CD Type | Term | APY | Minimum Deposit | Currency | Last Verified | Status |
|---|---|---|---|---|---|---|---|
| Chase | Bank CD education | Issuer terms | Not quoted | Issuer terms | USD | No verified quote | Educational example only |
| Citibank | Bank CD education | Issuer terms | Not quoted | Issuer terms | USD | No verified quote | Educational example only |
| Bank of America | Bank CD education | Issuer terms | Not quoted | Issuer terms | USD | No verified quote | Educational example only |
| Truist | Bank CD education | Issuer terms | Not quoted | Issuer terms | USD | No verified quote | Educational example only |
No current verified CD offerings are published.
These bank names are factual educational references, not affiliations, endorsements, or confirmed products available through Maryana. No bank rate, deposit minimum or term is being represented.
Request CD InformationDeposit essentials
Understand the structure before the yield.
Bank CDs & brokered CDs
A bank CD is a deposit with an issuing bank. Brokered CDs are bank-issued deposits obtained through an intermediary; custody, records, fees and exit terms require separate review.
Maturity & minimum deposit
The term determines when principal is scheduled to be repaid. Minimum deposits, renewal windows and withdrawal conditions are issuer- and product-specific; Maryana’s minimum does not establish a bank’s minimum.
APY & interest payments
Annual percentage yield reflects interest and compounding over a year. Monthly, periodic or maturity payments can differ. APY comparisons require the same assumptions and confirmed product terms.
Fixed, variable & callable
Fixed rates are set under the deposit contract; variable rates can change. Callable CDs may be redeemed early by the issuer, introducing reinvestment risk. Read the specific documentation.
Early withdrawal & market value
Bank CDs may impose withdrawal penalties or restrict early access. Brokered CDs may need to be sold on a secondary market: liquidity is not assured and sale value may be below principal.
Issuer & currency risk
Assess the issuing bank and any uninsured exposure. USD/CAD movements and conversion costs can reduce Canadian-dollar value even where the deposit pays interest in U.S. dollars.
FDIC education
Protection depends on the deposit, not this website.
Maryana is not a bank.
Maryana Capital Inc. is not a bank, deposit issuer or FDIC-insured entity. Eligible FDIC protection, where applicable, relates to qualifying deposits at participating insured banks, subject to FDIC rules.
Standard coverage is generally US$250,000 per depositor, per insured bank, per ownership category. Deposits at the same bank are aggregated within the same category. Brokered pass-through coverage depends on eligibility and proper records. Coverage does not protect against secondary-market price losses, currency losses, or an intermediary failing to place funds in a qualifying deposit.
Canadian residency alone neither establishes access nor disqualifies a qualifying insured deposit. Confirm the bank, account ownership, eligibility and all existing deposits before proceeding.
FDIC: Shopping for a Certificate of DepositVerify an institution with FDIC BankFind
A considered conversation
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Request written information or discuss a research area. An inquiry is not a commitment to invest and does not establish product availability.