FDIC Insured
Every eligible deposit at Beal Bank USA is insured up to $250,000 per depositor, backed by the full faith and credit of the US government.
A simple way to watch your money grow.
Beal Bank USA offers straightforward CDs with a variety of term lengths and interest rates giving you the flexibility and convenience you need to reach your financial goals.
Savings on your terms.
Calculate your earnings. Click a term to open an account.
| CD Term | APY* | Estimated Earnings |
|---|---|---|
| 3-Month CD | 4.10% | $$ |
| 6-Month CD | 4.25% | $$ |
| 9-Month CD | 4.30% | $$ |
| 12-Month CD | 4.35% | $$ |
| 18-Month CD | 4.35% | $$ |
| 24-Month CD | 4.40% | $$ |
| 30-Month CD | 4.00% | $$ |
| 36-Month CD | 4.00% | $$ |
| 48-Month CD | 4.00% | $$ |
| 60-Month CD | 4.00% | $$ |
$25,000 minimum deposit required to open account.
Beal Bank USA is unable to open accounts for residents of Texas and Ohio.
*Our Annual Percentage Yields (APYs) are accurate as of Wednesday, October 28, 2026. Advertised APYs are subject to change.
The APY is fixed for the term of the CD but subject to change upon renewal. A penalty will be imposed for early withdrawals.
Results are estimates for illustrative purposes only and may not reflect your actual earnings. Assumes funds remain on deposit until maturity; withdrawals, penalties, fees, or backup withholding may reduce earnings.
Know Your Money Will Grow.
For more than 20 years, Beal Bank USA has offered a safe and secure place for maximizing your savings.
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Built to Last
A foundation of financial assets built through an unrivaled lending and investment approach.
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Innovative Approach
Beal Bank USA focuses solely on savings products, which translates into better rates and service for our clients.
Still have questions?
Talk to a US-based representative.
No phone trees. No overseas queues. Our Beal Bank USA customer service team is available during business hours. Learn more about who we are at Beal Bank USA or visit our FAQ page for account-specific questions.
