No-Penalty CD. Lock in a great rate without locking in your money

With our No-Penalty CD, you get the power to earn a competitive fixed rate, plus the flexibility to withdraw your full balance if you need it beginning 7 days after funding.


Whether you want to save for a financial goal or simply lock in a competitive rate, consider a No-Penalty CD for a guaranteed rate of return.

Guaranteed return assumes funds are held through end of the term.

13-month No-Penalty CD


Minimum deposit


Early withdrawal penalty


Keep your money growing and your options open

That's it. No gimmick. No hidden fees. No questions asked.

Lock in a great rate for a guaranteed return

Easy online withdrawal with no penalty, beginning 7 days after funding

Keep all of the interest earned, even with early withdrawal

Choose the No-Penalty CD term that works for you

Annual Percentage Yield
Minimum Deposit
Early Withdrawal Penalty
7 Month No-Penalty CD




11 Month No-Penalty CD




13 Month No-Penalty CD




Annual Percentage Yield (APY) as of June 16, 2019. APY may change before a No-Penalty CD is opened and funded

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Savings Specialists are available at our US-based Call Center Monday to Friday from 8 am – 10 pm E.T. and Saturday to Sunday from 9 am – 7 pm E.T.

Still have questions?

Get answers to your questions about No-Penalty CDs and our other savings products