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Certificates of Deposit

Whether you're looking for a short- or long-term investment, Santander has a Certificate of Deposit (CD) account to fit your needs. You'll get guaranteed returns for the term of your choice, and because CDs are FDIC insured, your deposit and interest earnings are protected.1

Santander Certificates of Deposit offer the following benefits:

  • Rewarding: We offer competitive rates, and the ability to transfer your interest into any of your Santander checking, savings, or money market savings accounts automatically. You don’t have to wait until the end of your term to start enjoying your interest.
  • Versatile: We’ll accommodate the exact term you need.
  • Flexible: We even offer CDs that allow you to adjust your rate once during the term.


Premier CDs

Exclusive CD rates for Premier Banking customers.

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Choose Your Term CDs

Get a guaranteed rate of return with any term of your choice.

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Rising Rate CDs

You have the opportunity to adjust to the prevailing rate once during your CD term.

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1 There is a maximum of $250,000 of deposit insurance from the FDIC for each category of account ownership. Please visit for details.

*Minimum deposit of $500 to open a Retail (non-Jumbo) CD and minimum deposit of $100,000 to open a Jumbo CD and receive the annual percentage yield (APY) shown above. A penalty will be imposed for early withdrawal from a CD. APY is accurate and effective as of today and may change thereafter for new accounts. Fees may reduce earnings on the account. Offer is subject to change at any time.