Limited terms available with opening online. Full terms available when opening at a branch.
Minimum balance to obtain APY is $1,000.00. Minimum balance for minors to obtain APY is $500.00. Minimum balance for IRAs to obtain APY is $200.00. Minimum balance for Auto-Save IRAs to obtain APY is $50.00. Penalty for early withdrawal. Fees may reduce earnings. The interest rate and APY are effective as of October 1, 2018, and are subject to change without notice. Stated APY based on 12-month term. APY may vary if another term is selected. Available only for customers holding accounts for personal, family or household purposes. Not valid with any other promotional offers. Interest rates will not automatically apply to Certificates of Deposit that are automatically renewing during this promotion.
HSA CD Requirements: 1) You must maintain a Health Advantage Checking account at Bankers Trust in conjunction with the HSA CD. 2) The HSA CD must be funded from the Health Advantage Checking account. 3) If you request HSA CD interest be paid to you (as an alternative to adding the interest back to the HSA CD), it must be transferred to your Health Advantage Checking account. 4) If you redeem (cash out) the HSA CD, the money must be transferred back to your Health Advantage Checking account. 5) The Bankers Trust Wellness Option – which permits penalty-free early withdrawals from CDs if the funds are used for medical expenses – does not apply to the HSA CD. Early withdrawals of principal made for any reason, including medical expenses, are subject to penalty.