Short-Term Investing With Safety in Mind

With interest rates rising and the yield curve flattening, now is an opportune time for investors to reassess their cash management strategy and consider incorporating Certificates of Deposit (CDs) into their overall wealth management plan.

Our financial strength and stability combined with competitive rates provide clients with peace of mind when choosing a financial services provider.

Interested in a CD and want to learn more?


Contact us today and we will connect you with a Private Banker who can tell you more about our services.

Our CD Rates

The table below highlights a selection of our CDs and their associated interest rates and annual percentage yields (APY). We offer Personal, Retirement and Business Certificate of Deposit. CDs are available for existing clients or new clients with a minimum initial investment of $250,000.2

Rates in effect 5/14/2019 – 5/20/2019.

Our CD Rates
View a selection of available terms and rates.
  • - Annual percentage yield (APY) up to 2.40%, depending on term1
  • - Terms range from 1 month to 10 years, plus shorter terms for Business CDs
  • - Rate fixed for duration of certificate
  • - Predictable source of income, often higher than other bank deposit accounts
  • - FDIC-insured (up to applicable limits)3
  • 1

    CD must be funded within the "rates in effect" dates shown above to receive the stated APY/rate.

  • 2

    Minimum balance required to open a CD:

    -For existing clients: $25,000 for Personal or Business CDs; $1,000 for Retirement CDs.

    -If you are not a current client of BNY Mellon Wealth Management, we require a minimum initial investment of $250,000 to qualify for the stated rates.

  • 3

    The standard insurance amount is $250,000 per depositor for each account ownership category.

  • Clients will continue to earn the APY on the balance in a Certificate of Deposit even if a partial, early withdrawal causes the balance to fall below the minimum to open that Certificate. An early withdrawal penalty may be imposed for an early withdrawal from any Certificate. This summary is for informational purposes only. For ongoing rate information, or if you have any other questions regarding our deposit products, please contact your relationship manager or via the contact information provided through the link above.

  • Banking services are provided by BNY Mellon, National Association. Member FDIC.

Interested in a CD and want to learn more?

Contact us today and we will connect you with a Private Banker who can tell you more about our services.