Term deposit rates
Fixed-term deposits from $1,000. Interest paid at maturity unless you choose a monthly payout option. Rates are for personal customers and may differ for business accounts or broker-placed deposits. A minimum deposit of $1,000 applies unless noted in the table.
Ladder strategies are available when you open multiple terms on the same day. Ask us about automatic renewal instructions before your maturity date if you want funds redeposited.
| Term | Minimum | Interest rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 4.40% | 4.48% |
| 12 months | $1,000 | 4.78% | 4.88% |
| 24 months | $5,000 | 4.30% | 4.38% |
| 36 months | $5,000 | 4.15% | 4.22% |
| 48 months | $10,000 | 4.05% | 4.12% |
Promotional rates may require new money not held at Acme Trust Bank in the 30 days before opening. Early withdrawal penalties apply and can include partial principal loss on longer terms.
Early withdrawal may reduce earnings. Penalties apply for breaking a term before maturity. Rates are subject to change without prior notice.
APY assumes interest remains on deposit until maturity and may differ if you elect monthly interest payments.