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Retirement investment made simple, safe, and secure.
Protect what you worked hard for.

  • Guarantee the security of your retirement with FDIC Insured investments
  • Unbeatable rates as high as 1.30% APY on 19-Month CDs

  • Earn more when you save longer – 1.50% APY on 35-Month CDs

  • Start investing with as little as $4,000

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Stock Market CDs Overview

  • Stock Market CDs were developed by Chase Manhattan Bank in 1987. There was roughly $300,000,000,000 purchased last year in the United States.

  • FDIC Protection - Only the SMCD principal is insured up to the applicable FDIC limit per account holder. Any investment in a Stock Market CD that exceeds the applicable FDIC limit is subject to the credit risk of depositing bank.

  • Deposit Protection – Investors receive a minimum of 100% of the Stock Market CDs principal when the investment is held to maturity, subject to the creditworthiness of the depositing bank for investors who hold more than the applicable FDIC insurance limits.

  • Minimum Investment – A $4,000 minimum investment is required and may be increased in increments of $1,000, until the offering closes.

  • SMCDs provide the potential for appreciation based, in part, on the performance of a market measure, such as the S&P 500, an equity or a commodities index or a basket of foreign currencies, when held to maturity.

  • Unlike traditional certificates of deposit that pay a fixed rate of interest, Stock Market CD’s pay a return at maturity based, in part, on the performance of a market measure.

  • Returns - While certain SMCDs pay a minimum return when held to maturity even if the underlying market measure declines, the payment at maturity may be less than that of a traditional certificate of deposit or debt instrument of a comparable maturity.

  • Suitability - Investments in SMCDs are not suitable for all investors, especially those needing liquidity or income prior to maturity. Prior to investing, investors should make sure they discuss all of their liquidity and income needs with their Investment Services Financial Advisor and their legal and tax advisors.

  • SMCDs are issued by well-known banks such as Bank of the West, Barclays, Citibank, Goldman Sachs, HSBC and JP Morgan.

  • The issuing bank will return 100% of principal at maturity.

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  • SMCDs pay variable interest each year based on the performance of stocks or commodities. The issuing bank will return 100% of principal at maturity.

  • SMCDs can be purchased with Qualified IRA or Non-Qualified/Non-IRA Funds.

  • If you need to sell your SMCDs early, the issuer will buy it back at the current market value.

  • If the bank fails, the FDIC will return full principal as long as deposits do not exceed statutory limits, generally $250,000 per bank, per account registration.

In addition to the investor considerations listed above, each SMCD will have its own unique set of risks above and beyond those of a traditional certificate of deposit. SMCDs are offered with a Disclosure Statement and disclosure supplement(s). Prior to purchase, investors should carefully read the Disclosure Statement and any applicable disclosure supplements for the specific SMCD they are interested in purchasing as these documents provide additional important information about SMCDs.

Suitability, FDIC Insurance, & Foreign Currencies – SMCDs may not be suitable for all investors. Investors should invest in SMCDs only after carefully considering, together with their financial, legal and tax advisors, the suitability of an investment in light of their specific financial circumstances. SMCDs involve significant risks, including risks not typically associated with fixed-rate or floating-rate certificates of deposit or debt instruments such as liquidity and market risks. The payment at maturity may yield a return that is less than that of a traditional certificate of deposit or debt instrument of a comparable maturity. SMCDs that are linked to one or more foreign currencies may be affected by many complex factors, including government policies/interventions and actions of central banks and may be highly volatile and unpredictable. The principal of SMCDs is FDIC insured within applicable limits. It is the investors responsibility to make sure that all deposits held with the Bank are considered when reviewing for FDIC coverage. SMCDs will be in the form of a master certificate held by the Depository Trust Company. Each SMCD constitutes a direct deposit obligation of the Bank.

IRS 230 Disclosure – and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with of any of the matters addressed herein or for the purpose of avoiding U.S. tax related penalties.

Insurance coverage for a family of four with deposit accounts in multiple ownership categories.

Table showing various insurance coverage for various categories - contact us for detailed information

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Bank of America
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