Term deposit
Lock in a guaranteed yield
Fixed-rate certificates from 6 to 60 months. Build a ladder to keep liquidity rolling while every rung earns a locked-in APY.
- Best term APY
- 4.70%
- Minimum deposit
- $1,000
- Terms
- 6–60 mo
Certificate of Deposit — current tiers
Live · refreshes automatically| No published tiers. | ||||
Rates are indicative, variable, and subject to change. Fees shown exclude third-party charges.
Eligibility
- 18 years or older with a valid US Social Security Number or ITIN.
- Minimum opening deposit of $1,000 in collected funds; maximum $1,000,000 per certificate.
- Funded within 10 calendar days of opening, otherwise the certificate is voided.
- Completed identity verification, including document upload and selfie match.
- IRA-designated certificates require an existing Unicorn retirement account.
Fees & charges
- Account opening
- $0
- Monthly maintenance
- $0
- Early withdrawal (terms ≤ 12 mo)
- 90 days interest
- Early withdrawal (terms > 12 mo)
- 180 days interest
- Outgoing wire at maturity
- $15
Disclosures
- APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
- The rate is fixed for the term and is locked when the certificate is funded, not when the application is submitted.
- Early withdrawal penalties may reduce principal. Penalties are applied even if the certificate has not yet earned the penalty amount.
- Certificates renew automatically at the then-current rate for the same term unless we receive instructions during the 10-day grace period.
- FDIC-insured up to applicable limits.