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Certificates of Deposit (CDs)

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HSBC CDs offer many term options to suit your savings needs.

  • 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 plans.1
  • 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 Online CD Offers

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

You can tailor CD savings to your needs

Get promotional CD rates by applying online today.

Lock in a promotional 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.

Your savings plan can begin when it's convenient for you with HSBC's CDs

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.

Online 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. 
  • 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  
  • Open a new online CD for a different term using the balance from your maturing CD or contact the Customer Relationship Center during your grace period to change the term on your existing account.
  • Transfer your balance or a portion of your balance to your other HSBC deposit accounts during the grace period.3

Your savings are secure

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

How to apply

New to HSBC

Apply now for a CD

Or call: 800.975.4722

Existing HSBC Customer

Add a CD now

Or call: 800.975.4722

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.


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, please contact us or call 888.404.4050. We're available from 9am-5pm ET. You may also view Frequently Asked Questions.


* The Annual Percentage Yields (APYs) for the Online 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 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 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 terminate 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.