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Online Certificate of Deposit (CD)

Make your Premier[@premiereligibility] relationship work harder for you with an Online CD that locks in an APY to give you steady earnings.

Here's what you get with an Online CD

If you're already a Premier[@premiereligibility] customer, you can see your savings grow with an Online CD. Benefit from a fixed interest rate - just choose which term suits you. 

  • Choose from a 6, 12, or 24-month Online CD and benefit from fixed interest rates[@apyyougetcd]. A minimum deposit of $1,000 is required.
  • Easy account opening and convenient management via online banking.
  • You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee[@onlineguaranteecd].

Annual Percentage Yields (APYs)[@apyasterisk]

6 months
4.00% APY

12 months
4.80% APY

24 months
4.00% APY

Premier[@premiereligibility] customers get 4.90% APY[@apyasterisk] on an 8-month CD, funded with New Money[@newmoney]

Reach your savings goals faster. Call 888.662.4722 to apply today. Alternatively, log on to online banking to schedule an appointment with your Relationship Manager, or visit a Wealth Center. Clients outside the U.S./Canada call 716.841.6866.

APY applies to existing HSBC Premier customers who open an HSBC 8-month CD and fund with New Money. Terms and charges disclosure.

Your options after your Online CD matures

  • Automatically renew: Let your balance automatically renew into an Online CD of the same term at the interest rate and APY in effect at maturity[@earlywithdrawcd]. Call us at 800.975.4722 to get the current interest rate and APY during your grace period. 
  • Renew into another Online CD: Renew into a different Online CD term by calling the Customer Relationship Center during your grace period.
  • Add money and renew into another Online CD: Add money to your maturing Online CD during the grace period to renew into an Online CD of the same term at the interest rate and APY in effect at maturity[@graceperiodcd].
  • 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[@graceperiodcd].

Things to know

What you'll need to apply

To open an Online CD you must be an HSBC Premier client with a new or existing HSBC Premier[@premiereligibility] checking account and:

  • Be at least 18 years of age
  • Provide account information for funding your new account if you want to fund from outside HSBC

Already an HSBC U.S. customer?

You can apply online in minutes, if you're already a Premier customer. Log on to apply today.

New to HSBC?

You'll need an HSBC Premier checking account before you can apply.

Alternatively call us today at 888.662.4722 (clients outside the US or Canada call 716.841.6866)

Frequently asked questions

You might be interested in

Benefit from tiered interest that offers higher rates on higher balances.
Link your Premier [@premiereligibility] checking account and meet the monthly criteria to give your savings rate a boost.
Make the most of life, no matter where you are now or where you’re going next.

Additional information

    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.

    Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties 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 cancelled 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.

    The Annual Percentage Yields (APYs) and balances for CD accounts are accurate as of {{currentDate}} and apply for the initial term only.

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