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  • Over $1.4 billion in active CD investments
  • Over $5.2 billion placed to date
  • Dedicated full-time staff

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Certificate of Deposit Rates

We have three main sets of Certificate of Deposit Rates.

  1. Personal certificate rates
  2. Corporate rates
  3. IRA Rates

Why three? Banks we work with accept different types of deposits based on their staffing levels and willingness to manage the different account set-up requirements. We only work with federally insured banks (FDIC) and credit unions (NCUA).

Personal Funds’ Certificate of Deposit Rates
FEE Based Rates
Updated: 01/18/2012

Term Current Rate APY Notes
10 Year 2.66% 2.70% 1-Year EWP
5 Year 2.25% 2.27%  
4 Year 2.13% 2.15%  
3 Year 1.78% 1.80%  
2 Year 1.29% 1.30%  
1 Year 1.20% 1.21%  



IRA Rates
FEE Based Rates
Updated: 01/18/2012

Term Current Rate APY
10 Year 2.66% 2.70%
5 Year 2.25% 2.27%
4 Year 2.13% 2.15%
3 Year 1.78% 1.80%
2 Year 1.29% 1.30%
1 Year 1.20% 1.21%

Please visit our IRA CD Rates page for IRA particulars.

Rates are subject to change at any time.

Many banks don’t offer to compound interest especially on Jumbo Certificates of Deposit. As a result, the bank with the highest APY may not be the bank with the highest APR. Furthermore, banks compound on different schedules; it could be daily, monthly, quarterly, semi-annually or annually. Make sure you compare interest rates appropriately. This site can help you calculate your earnings: CD Calculator.

Finally, Jumbo CD Investment earns a fee from the investor. If you are interested in callable CD rates let us know. We have callable CD rates available for our customers in CA, OR, CO, and WY.