CD Bundle Calculator
Five Reasons to Love Our New 3D-CD
1. Diversifies and reduces your risk
2. Improves access to your money
3. Optimizes returns over time
4. Automatic reinvestment
5. Easy one-step set up
Frequently Asked Questions
The minimum deposit for the CD Bundle is $3,000 (at least $1000 per CD). You can deposit more if you'd like. But, each CD must meet the minimum balance requirement.
It depends on what you want to achieve with your savings. The CD Bundle automatically divides your deposit into equal portions across the 3-month, 6-month, and 12-month CDs. It also allows you to deposit custom amounts to see what gains you might achieve with varying amounts.
Having multiple CDs, like with the CD Bundle, allows for more flexibility and liquidity. If you open just one CD, your funds are locked in until it matures. With a CD bundle, part of your money becomes available at regular intervals.
When a CD in your bundle matures, you have two options:
1. Withdraw the funds if you need access to the money.
2. Reinvest in another CD to keep your savings growing. Centier offers the option for automatic reinvestment at the renewal rate for added convenience. View renewal terms and rates.
Yes! You can open multiple CD bundles. So, you can structure your savings in different ways or deposit more funds while you maintain staggered maturity dates.
A CD Bundle offers steady returns and liquidity at designated intervals. With staggered maturity dates, you can access funds at regular intervals without withdrawal penalties. Short-term CDs offer flexibility, while longer-term CDs provide stability. CD Bundles are FDIC-insured up to coverage limits. One deposit opens three CDs, which can make saving simple and strategic.
CDs have early withdrawal penalties, so it's best to plan ahead. However, the CD Bundle includes staggered maturity dates. So, a portion of your money will become available every few months. This can help you prevent the need for early withdrawals.
The CD bundle is designed to help you navigate interest rate changes by balancing short and long-term CDs. By allowing funds to mature at staggered intervals you are able to both take advantage of possible higher rates to reinvest the shorter-term mature portion of funds and if rates drop you are able to keep the longer term funds locked in at the higher rate.
This strategy helps you make sure you don’t have to commit all your funds to a long-term CD. Short-term CDs offer flexibility, while longer-term CDs provide stability. Together, they create a balanced approach to optimize your returns while keeping your savings accessible at regular intervals.
Be Our Guest to Save the Way You Want
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Disclosures
*APY= Annual Percentage Yield
Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues as well as mortgage information.
Please note the following disclosure information before proceeding to apply for your new Certificate of Deposit online.
- Only personal deposits are accepted online. Please visit your local branch or contact us at 1-888-CENTIER to open a Certificate of Deposit with a business deposit.
- Centier Bank Certificate of Deposit annual percentage yields are subject to change without notice; and there are penalties for early withdrawal.
- You will receive the CD current rate (on the day you fill out and send in your application) provided we receive your funds within 7 days. Current daily rates apply after that
Government regulations require that we make the following disclosures available to you when you open an account with Centier. You may print these disclosures for your files, if you wish. Disclosures
Customer Notice: To assist the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Thank you for your cooperation.
Effective Date: Tues April 22, 2025