Choose the term that's right for you

What do I need to apply?

  • You must be 18 years of age and have a Social Security Number
  • Current U.S. residential address and a U.S. residential address for the past three years
  • Valid U.S. ID (driver’s license, non-driver identification card, learner permit), passport or Permanent Residential Card/Green Card
  • Account information for funding your new account

Online CD Accounts

These rates are only available if the account is opened online.

0.75% APY* 
for 6 months

New to HSBC?

Existing customer?

0.95% APY*
for 12 months

New to HSBC?

Existing customer?

1.30% APY*
for 24 months

New to HSBC?

Existing customer?

Next steps – after you apply

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 & Charges Disclosure for more information.

Benefits of a CD savings account

Tailor CD savings to your needs

Lock in an Online Certificate of Deposit rate today by applying for our 6, 12, or 24-month CD. Benefits from fixed daily interest rates1, easy online management and more.

Start saving at your convenience

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

Your savings are secure

Bank online securely. You’re covered by our $0 Liability Online, Guarantee2. The money in all your deposits accounts is FDIC-insured to the maximum permitted by law.

Savings goals within reach

Fixed interest rates and easy online account management through your Personal Internet Banking account.

Your options after your CD matures

Automatically renew

Let your balance automatically renew into a CD of the same term at the interest rate and APY in effect at maturity3. Call us at 800.975.4722 to get the current interest rate and APY during your grace period. 

Renew into another CD

Renew into a different Direct CD term by calling the Customer Relationship Center during your grace period.  

Add money and renew into another CD

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. 

Transfer your balance into your account

Transfer your balance or a portion of your balance to your other HSBC deposit accounts during the grace period.4

Note: You cannot perform any type of transaction on your CD account on business days between 10pm and 4am ET.   

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.

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.

Questions

If you need assistance or have questions about the application, please call us at 888.404.4050. We're available from 9am-5pm ET. You can also view 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 balance to open 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 Direct Certificate of Deposit Terms and Charges Disclosure for more information.

2 All HSBC Personal Internet Banking clients with an HSBC personal checking, savings, Certificate of Deposit (CD) or credit card account are automatically covered. HSBC's $0 Liability, Online Guarantee is applicable to client transactions covered by Federal Regulation E. The guarantee does not cover business and commercial accounts, accounts at other financial institutions, or accounts that are not covered under Regulation E. The $0 Liability, Online Guarantee assumes notice of fraudulent activity on eligible accounts is provided to HSBC within 60 days, and timely notice on card accounts. Assumes client follows account safeguarding, personal firewalls and online security diligence practices outlined in HSBC's Security & Fraud Center. 

3 A penalty may be imposed for early withdrawal.

4 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.