Certificates of Deposit

Index Linked | FDIC Insured | Certificates of Deposit



Certificates of Deposit (CDs)

Market-Linked Certificates of Deposit (CDs) are bank-issued deposits designed for investors who are mindful of risk and want principal protection on their investments so they can have the confidence to participate in the markets and capture any potential upside opportunities.

Are Market-Linked CDs right for you? 

Protecting Your Assets

With FDIC Insurance

A Market-Linked Certificate of Deposit is a principal protected investment, and is subject to the credit risk of the issuing bank. Should the issuer become insolvent, the Federal Deposit Insurance Corporation (FDIC), an independent agency of the United States government, protects the principal investments of Market-Linked CDs as long as they’re held to maturity. Protection is only up to the allowable insurance limits.

The FDIC insures accounts held in several ownership categories. That means if you hold your MLCDs in multiple accounts in a variety of ownership categories, each account owner and each of their beneficiaries will qualify for coverage up to $250,000.

Compare Market-Linked CDs With

Low, Conventional Rates

You don’t have to settle for low returns in exchange for low risk. With Market-Linked CDs, you have the opportunity to capture returns linked to the performance of financial markets.

* Rates subject to change

CD Source:

S&P 500 Return Source: Google Finance

Past performance is no guarantee of future results

Who Might Benefit From

A Market-Linked CD?

You shouldn’t have to take on more risk at a time when you should be taking on less. With Market-Linked CDs, your principal may be protected against losses when held to maturity.

IRA Owners

Anyone who has an IRA that wishes to participate in index returns and who doesn’t want to be subject to possibly losing their retirement nest egg.

Retirement Planning

If you’re retired or retiring soon and can’t take another market downturn, Market-Linked CDs can help you participate in growth opportunities with much less risk.

Conservative Investors

With Market-Linked CDs, it’s possible to increase your chances of achieving greater returns while protecting your principal.


Who Issues Market-Linked CDs?

Goldman Sachs, JP Morgan Chase & Co, Citi Bank and HSBC are a few of the banks that are now issuing Market-Linked CDs. Each bank has their own proprietary index but on occasion, offer Market-Linked products which can include the S&P 500, Euro Sto​xx 50, Russell 2000 index and others.