Online 12 Month CD
4.30% APY*
Let our accounts help you achieve your savings goals
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*Annual Percentage Yield (APY) as of 01/18/2023. Minimum opening balance is $5,000. Account is subject to early withdrawal penalty. Fees could reduce earnings on the account. The Bank may cancel the CD promotion at any time without notice. Additional terms and conditions may apply. Please see our account disclosure for more details.
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The benefits of a CTBC Online CD account
Low risk
Fixed interest rate
Locked in to earn a fixed rate for a set period of time.
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Convenient
Bank all in one place
See all your CTBC accounts from Online and Mobile Banking.
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Secure
FDIC Insured
Funds on deposit at CTCB Bank are FDIC-insured up to maximum allowed by law.
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I'm new to CTBC Bank I'll provide my information
I have an Online Banking Login Log in to prefill and save time
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We also offer 3.60% APY Online Savings Account
Learn More
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Online Personal CD Account FAQs
• Who will be qualified to open an account?
At this time, our online accounts are available exclusively to residents of Arizona, California, Nevada, New Jersey, New York, Texas and Washington over the age of 18. |
• What is the minimum account balance to open my account?
The minimum account opening balance to open a CTBC Online Personal CD Account is $5,000. |
• How can I fund my Online Personal CD Account?
• Deposit at a local CTBC branch • Phone Transfers for existing CTBC Bank customer. • Send a check by U.S. mail (we don’t accept cash). The check must be payable to you and endorsed with your name and indicate "For Deposit Only to CTBC Bank" and your account number. Mail to: CTBC Bank – VB Customer Support 56 E. Duarte Rd. Unit 108 Arcadia, CA 91006 |
• Can I make additional deposits to my CD?
Additional deposits cannot be made during the term of any CD. However, once your CD matures, you can deposit additional funds once during the grace period. |
• Can I find my CD maturity date online?
Yes. Click here to log into your account. Once logged in, select your CD Account on the “Account Summary” page. Your maturity date will be displayed in the CD account details. |
• What happens when my CD matures?
We will send you a notification 30 days before your CD matures. When your CD matures, you may make a deposit or withdrawal and change the term of your CD during the grace period. The grace period lasts for 10 days immediately following the maturity date. Your CD will automatically renew if you don't take any action during the grace period and interest withdrawn on the account will not affect the grace period. Any term change, deposit, or withdrawal of principal during the grace period will end the grace period. In some cases, the Early Withdrawal Penalty may reduce the principal in the CD.
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• What fees and services charge are associated with my Online CD account?
Please refer to the Schedule of Fee provided with the Truth in Savings Disclosures in your Welcome Package or contact Customer Service at 1-888-889-8369. |
• When will I start earning interest on new Online Personal CD Account?
Once an Account is opened, interest begins to accrue on a deposit on the Business Day we receive your deposit. |
• How is interest on my Online Personal CD calculated?
Interesting is compounded daily and credited to your account monthly. |
• Is the Online Personal CD Account FDIC-insured?
Yes. Funds on deposit at CTCB Bank are FDIC-insured up to maximum allowed by law. |
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