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Certificates of Deposit (CDs)
Choose the CD that matches your savings goals.
FDIC insured up to $250,000 per depositor, per insured bank.¹
Designed for your goals. Defined on your terms
Compare current CD rates and Annual Percentage Yields (APY) by term and minimum deposit.
Explore the details for each CD.²
Explore our Online CD Offers
BTG Pactual Certificates of Deposit (CDs) let you earn a fixed interest rate for a chosen term, from a few months to several years, so you can plan with more certainty. Returns are expressed as APY (Annual Percentage Yield)¹, which reflects compounded interest over one year. CDs are designed to be held to maturity; early withdrawals may incur a penalty.
Fixed rate. Predictable growth.
Open online with flexible maturity options.
Multiple terms to suit your goals.
Certificate of Deposit (CD) options at BTG Pactual
Compare our CD options and review key features such as term, APY, and access, to find the one that best fits your goals.
Certificate of Deposit (CD)
CD APY varies by term
For full details, visit open.btgpactual.com.
Frequently Asked Questions
A Certificate of Deposit (CD) is a type of savings account where you deposit money for a set period of time (the “term”) and earn a fixed interest rate. CDs are designed to be held until the maturity date.
You choose a term, open and fund the CD, and earn interest at the stated APY for the length of the term. At maturity, you can typically withdraw your funds, transfer them, or renew into a new CD (options depend on your product terms).
Both CDs and savings accounts let you earn interest on the money you save. With a CD, your interest rate is locked in from the day you open it through the end of the term. CDs, like savings accounts, are insured up to FDIC limits. The key difference: a savings account gives you access to your money at any time without penalty, though the rate can change. With a CD, you trade that flexibility for a guaranteed fixed rate — accessing your money before the term ends may result in an early withdrawal penalty. CDs may also offer higher interest rates than savings accounts.
APY (Annual Percentage Yield) shows how much you earn in one year when interest is compounded, assuming your funds remain on deposit for the full term. APY makes it easy to compare returns across different CD terms.
- Standard CD: Earn a fixed rate for a selected term. If you withdraw funds before maturity, an early withdrawal penalty may apply.
- No‑Penalty CD: Offers more flexibility by allowing up to 3 withdrawals after an initial period without an early withdrawal penalty (product rules apply).
You may qualify for more than $250,000 in coverage if you hold deposits in different account ownership categories. For more information, visit www.fdic.gov.
Yes. Minimum opening deposits vary by CD term and product type. You can find the minimum deposit on each offer card and in the full CD disclosures.
Once opened and funded, your CD rate is locked in for the full term. Market rates may fluctuate, but your CD rate will not.
Interest accrues daily based on your balance and rate, and is generally compounded according to the product terms. How and when interest is credited (e.g., monthly or at maturity) is detailed in the products disclosures.
Standard CDs are intended to be held to maturity. Early withdrawals may be permitted, but a penalty may apply and could reduce your earnings. No‑Penalty CDs have different rules and may allow penalty-free withdrawals after the initial holding period.
An early withdrawal penalty is a fee (often calculated as a portion of the interest earned) that may apply if you withdraw from a Standard CD before maturity. The exact penalty depends on the CD term and is disclosed in the account agreement.
CDs typically do not have monthly maintenance fees, but early withdrawal penalties may apply for Standard CDs. Confirm all fees and penalties in the account agreement.
Shorter terms may give you access to your funds sooner, while longer terms let you lock in a rate for an extended period. Many savers use a CD ladder strategy — opening multiple CDs with staggered terms to balance rate stability with access to cash.
Yes. You can open multiple CDs with different terms to align with different savings goals — for example, an emergency fund, a near-term purchase, and long-term growth.
At maturity, you typically have a grace period to decide what to do next: withdraw, transfer, or renew. If you take no action, your CD may renew automatically depending on the product terms. Check your opening disclosures for the exact process.
Open an account online, select your CD offer, review the rate/APY and term, fund your deposit, and confirm. You’ll see the full terms before you submit.
Rates are subject to change daily. APY is effective as of .
¹Your deposits are insured up to $250,000 per depositor, per insured bank. You may qualify for more than $250,000 in coverage if you hold deposits in different account ownership categories.
²For CDs, the APY assumes monthly compounding of interest and that funds will remain on deposit until maturity. Annual Percentage Yield (APY) is accurate as of the above effective date and applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Website rates are generally updated each week. APY may be changed at any time without prior notice. A penalty will be imposed for early withdrawal of principal with the exception of the No-Penalty CD product (see product disclosure for further details). Fees may reduce earnings. APY assumes interest earned and principal is kept in the CD for the full term. For No-Penalty CD products - Early withdrawal of funds without penalty is permitted up to two times. The third withdrawal request will result in the closure of the account. You may not withdraw the principal amount of a No-Penalty CD for the first six (6) days following the date on which the account was funded or within six days of the most recent partial withdrawal. $5,000 minimum balance to earn stated APY for No-Penalty CD. We reserve the right to treat any withdrawal which would reduce the balance remaining in the account below the required minimum balance of $5,000 as a close-out of the account. Funds currently on deposit with BTG Pactual do not qualify for the No-Penalty CD products.