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Explore our Certificate of Deposit options | HSBC Direct

HSBC Certificates of Deposit - Overview

How to apply

HSBC Personal Internet Banking customers

New customers

Select the term that is right for you

Knowing your Certificate of Deposit's ("CD's") interest rate and maturity date will help you prepare for future1 expenses and add structure fo your financial plans.

HSBC CDs offer many term options to suit your savings needs

Locked in rates

Your CD rate is locked in for the length of the term, so there are no surprises, just steady earnings, when your principal remains on deposit through the maturity date.2

Next Steps

Once you have submitted your application, we will notify you if it can be approved online or if other information is needed to complete the application. All accounts will receive the Annual Percentage Yield (APY) and interest rate in effect when the account is opened and funded1. See Terms and Charges Disclosure for more information.

Important information about procedures for opening a new account

To help 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 or entity that opens an account.

What this means for you

If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

* The Annual Percentage Yields (APYs) for the Online CD Offer are accurate as of 09/19/2016 and apply for the initial term only. A penalty may be imposed for early withdrawal. Minimum to open and obtain the APY is $1,000.

1 The interest rates and Annual Percentage Yields (APYs) may change at any time at the Bank's discretion without prior notice, before any CD is opened online. CDs cannot be opened online before the application process is finalized and funded. Your account will receive the current interest rate and APY in effect on the date it is opened and funded. See the Online Certificate of Deposit ("Online CD") Terms and Charges Disclosure for more information.

2 A penalty may be imposed for early withdrawal.

Deposit products offered in U.S. by HSBC Bank USA, N.A. Member FDIC.


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