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 future expenses and add structure to your financial plans1


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


Take advantage of our Direct CD Offers


Lock in a Direct Certificate of Deposit rate today by applying for our 6, 12, or 24-month CDs. Benefit from fixed daily interest rates, easy online management and more. You can take advantage of quick and easy account opening any time. Just apply online and your CD interest compounds daily. View terms and rates.

0.75% APY* for 6 months

New to HSBC


Existing HSBC Customer

0.95% APY* for 12 months

New to HSBC


Existing HSBC Customer

1.30% APY* for 24 months

New to HSBC


Existing HSBC Customer

Direct CD benefits

Your savings goals are within reach with HSBC's many Certificate of Deposit options. Receive:

When your CD matures, you have several options to choose from:

  • Let your balance automatically renew into a CD of the same term at the interest rate and APY in effect at maturity. Call us at 800.975.4722 to get the current interest rate and APY during your grace period. 
  • Add money to your maturing CD during the grace period to renew into a CD of the same term at the interest rate and APY in effect at maturity.3
  • Renew into a different Direct CD term by calling the Customer Relationship Center during your grace period. 
  • Transfer your balance or a portion of your balance to your other HSBC deposit accounts during the grace period.3
  • It’s important to note, you can’t perform any type of transaction on your CD account on business days between 10pm and 4am ET.   


Your savings are secure

  • The money in all your deposit accounts is FDIC-insured to the maximum permitted by law.
  • Bank online securely. You're covered by our $0 Liability, Online Guarantee.

Next steps

Once you've submitted your application, we will let you know if it can be approved online or if more 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 Direct Certificate of Deposit Terms and Charges Disclosure for more information.


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.

Privacy and Security

HSBC recognizes the importance of protecting your privacy and we take great care to safeguard the confidentiality of your personal information. Visit our HSBC Security & Fraud Center to learn more about how HSBC helps keep your information secure, and what you can do to ensure a safe online experience.


If you need assistance or have questions about the application, call us at 888.404.4050. We're available from 9am-5pm ET. You can also check out Frequently Asked Questions.

* The Annual Percentage Yields (APYs) for the Direct CD Offer are accurate as of {{currentDate}} and apply for the initial term only. A penalty may be imposed for early withdrawal. Minimum to open is $1,000. 

1 The interest rates and Annual Percentage Yields (APY’s) 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 that date it is opened and funded.  See the Direct Certificates of Deposit Terms and Charges Disclosure for more information.

2 A penalty may be imposed for early withdrawal.

3 Effective Feb 10,2012, you may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty.  The grace period will end on the day you provide an instruction to change the term or perform a transaction. 

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