Because extraordinary is always within reach.

2.05 APY*

High-Rate 12-Month CD

Looking for a slightly longer term—and slightly higher rate? Then our 12-month certificate of deposit (CD) could be the better choice.

  • One of the best rates around
  • Get a great guaranteed rate of return over 12 months
  • Keep track of your CD with online and mobile banking
  • Open one with just $500

More high-rate CDs to help you achieve your savings goals.

TERMAPY* 
30 Day0.05%Apply Now
3 Month1.55%Apply Now
5 Month1.95%Apply Now
7 Month1.35%Apply Now
9 Month2.00%Apply Now
11 Month1.35%Apply Now
12 Month2.05%Apply Now
18 Month1.00%Apply Now
24 Month1.00%Apply Now
30 Month1.00%Apply Now
36 Month1.00%Apply Now
48 Month1.00%Apply Now
60 Month1.00%Apply Now
Annual Percentage Yields (APY) are variable and effective as of 11/18/2019. CD rates are fixed upon opening the account. Early withdrawal penalties apply.

Open a High-Rate CD Today: It’s Simple!

It’s easy to open a BrioDirect high-rate CD: Complete an online application right now in minutes. All you need is your contact information, driver’s license, passport or state I.D. and Social Security number.

Frequently Asked Questions

Why should I choose a BrioDirect high-yield CD?

We offer great rates, which can make a BrioDirect CD an excellent way to achieve your savings goals.

Is opening an online savings account or CD simple?

Yes! You can complete a BrioDirect account application online in minutes.

What do I need to open my account?

You just need your contact information, driver’s license, passport or state I.D. and Social Security number.

How do I make my initial deposit?

The easiest way is through an automated clearinghouse (ACH) payment from an existing checking or savings account. You can also fund via Check or Wire, click here to learn more.

Have a question about how ACH works? Please call 877-369-BRIO and speak to a client service representative.

Is my money safe and secure with BrioDirect?

BrioDirect is the online brand of Sterling National Bank. Founded in 1888, Sterling is rated one of “America’s 100 Best Banks” by Forbes and an FDIC insured institution. Your deposit account is provided by Sterling National Bank, and you will be a Sterling National Bank client when you open your account.

Is there a penalty if I take my money out of a CD?

Yes, if you take money out of a CD before the end of its term, you will be subject to an early withdrawal penalty. Please review your product disclosures for details – 9-month CD | 12-month CD.

I already have a deposit account with Sterling National Bank. How does this impact my FDIC insurance coverage?

Accounts that are opened via briodirectbanking.com and marketed by BrioDirect are Sterling National Bank accounts. Deposits in these accounts are made with Sterling National Bank. For purposes of determining how much FDIC insurance is applicable to your accounts, you need to consider not only the BrioDirect online savings or CD accounts that you maintain, but also all other accounts you maintain at Sterling National Bank. If you have a question about your FDIC insurance coverage, please call 877-369-BRIO and speak to a client service representative.

* Annual Percentage Yield (APY) is accurate as of 11/18/2019. Rate is subject to certain terms and conditions. You must deposit at least $500 to earn the disclosed APY. In the event of withdrawal before stated maturity, an early withdrawal penalty will be imposed. Offer can be revoked at any time.

All savings deposit products are provided by Sterling National Bank, an insured FDIC institution. BrioDirect is a sub-brand of Sterling National Bank. Sterling National Bank operates under the trade name BrioDirect. This trade name is used by, and refers to, a single FDIC-insured bank.

Accounts that are opened via www.briodirectbanking.com and marketed by BrioDirect are Sterling National Bank accounts. Deposits in these accounts are made with Sterling National Bank. For purposes of determining how much FDIC insurance is applicable to your accounts, you need to consider not only the BrioDirect online savings or CD accounts that you maintain, but also all other accounts you maintain at Sterling National Bank.