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HSBC Certificates of Deposit (CDs)

Reach your savings goals with a CD that locks in an APY for steady earnings

Choose the term that's right for you

What do I need to apply?

  • HSBC Certificates of Deposit (CDs) are available to all existing HSBC Premier1 customers
  • 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 one year
  • Account information for funding your new account

Online CD Accounts

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

4.25% APY* 
for 6 months

Existing Premier customer?

4.85% APY*
for 12 months

Existing Premier customer?

4.25% APY*
for 24 months

Existing Premier 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 rates2, 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, Guarantee3. 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.

  Options after your CD matures as an HSBC Premier1 customer 

Automatically renew

Let your balance automatically renew into a CD of the same term at the interest rate and APY in effect at maturity4. 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 Online 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.5

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.5

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


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 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 Online 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 and obtain APY is $1000.

To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain:

Balances of $75,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment‡ accounts; OR

  • Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
  • HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages. Home Equity products are not included.
  • Consumers who maintain Private Bank status.

A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

2 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 & Charges Disclosure for more information.

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. 

4 A penalty may be imposed for early withdrawal.

5 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.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be canceled or are subject to change at any time and cannot be combined with any other offer or discount.

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

 Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

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