CDs | Online-Only Bank Certificates of Deposit

Investors eAccess is powered by Investors Bank, one of the strongest and fastest growing banks in the New York/New Jersey market for over 90 years.

What do I need to open an account?

A valid US Social Security Number
Government issued ID
United States Citizen or Permanent Resident
At least 18 years of age
Account Funding:
- Name of Funding Bank or Financial Institution
- Routing Transit Number
- Funding Account Number

Why Investors eAccess?

Enroll in minutes anytime anywhere
Encrypted with best in class security
FDIC Insured up to $250,000
Competitive Rates
Paperless Transactions
Easy Access to Your Money
Great Customer Service

Frequently Asked Questions

Investors Bank is 100% committed to providing the best online savings experience and market-leading rates. We have over 90 years of banking experience along with over $25 billion in assets. Along with FDIC insurance, leading security practices, and absolutely no promotional rates or fees, you’ll have a better experience saving with us.

Online accounts can ONLY be opened by individuals who are US Citizens or Permanent Residents of the USA who are at least 18 years of age. Only individual and joint ownership accounts can be opened. Online accounts are not available for Beneficiary, POD, Trustee accounts, or Businesses.

No, you may save your application at any section and resume when it is convenient for you. You will have 14 days in which to complete the application.

It should take about ten minutes to complete.

There is a $500 minimum initial funding transaction after you open your CD account. Any funding transaction below this amount will be rejected or returned and not applied to your account. You may only make one (1) funding transaction, after which the CD will be locked to any additional funding transactions until your CD matures. There is no maximum amount limitations, you may deposit any amount above the minimum balance required.

eAccess CDs automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity during the grace period, or by calling our Client Care department at 855-422-6548 during the grace period. Interest will continue to accrue after final maturity for up to ten (10) calendar days. The interest rate will be the same as the rate paid on a renewed account. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

For your eAccess 10 Month CD;

Withdrawal of principal prior to the maturity date of your account will be subject to an early withdrawal penalty. Interest may be withdrawn at any time after it is credited to your account. Third party payment of checks is not permitted. You may withdraw less than the full amount in your CD, reducing the balance below the minimum balance requirement will require the account to be closed.

For your eAccess 6 Month No-Penalty CD;

Except for the first 6 calendar days following the Open Date of this account, withdrawal of principal may be made at any time and for the full amount in your account (including interest) without an early withdrawal penalty, such withdrawal will close your CD.

Withdrawal of funds will be paid out in the form of an official Bank Check made payable to the owner(s) of this account and mailed via First Class mail to the current account address on record.

Absolutely. Our accounts are FDIC-insured up to $250,000 and we have been in existence for over 90 years.

For more details, you may want to read our Frequently Asked Questions.

Do you need instant access to your savings? Check out our Money Market Account.

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2 Disclosure: Open an eAccess 6 Month No-Penalty Certificate of Deposit and earn a rate of 1.143% and an Annual Percentage Yield (APY) of 1.15%. This is a fixed rate product, current rate shown as of 3/26/2020 and may change at any time, the rate set on your account will be the effective rate for this product on the account opening date. You must deposit $500.00 to open this account. You have 15 days from the account opening date to fund your CD, if funds are not received within 15 days, your CD will be closed due to lack of funding. Deposits to this account are permitted via ACH direct deposit, incoming wire transfer, paper check, or electronic check; cash deposits are not permitted. This account does not permit additional deposits once the initial minimum deposit is made. Withdrawals can be made without penalty after 6 calendar days from account opening, withdrawals within 6 calendar days of opening will be subject to a penalty of seven days simple interest. Partial withdrawals cannot be made from this account, any withdrawal will close your account prior to its maturity date, which may reduce your earnings and APY. This account will automatically renew at maturity. There is a 10 calendar day Grace Period after the Maturity Date. During the Grace Period you can change your term and additional funds can be deposited. You may prevent renewal if you withdraw the funds in the account at maturity, or within the 10 day grace period after maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. eAccess 6 Month No-Penalty CD accounts may only be opened online and accessed via Online and Mobile Banking, and cannot be transacted upon in a branch. Fees may reduce earnings. Please review complete details during the online application process.

Disclosure: Open an eAccess 10 Month Certificate of Deposit and earn a rate of 1.143% and an Annual Percentage Yield (APY) of 1.15%. This is a fixed rate product, current rate shown as of 3/26/2020 and may change at any time, the rate set on your account will be the effective rate for this product on the account opening date. You must deposit $500.00 to open this account. You have 15 days from the account opening date to fund your CD, if funds are not received within 15 days, your CD will be closed due to lack of funding. Deposits to this account are permitted via ACH direct deposit, incoming wire transfer, paper check, or electronic check; cash deposits are not permitted. This account does not permit additional deposits once the initial minimum deposit is made. Withdrawal of principal prior to the maturity date of your account will be subject to an early withdrawal penalty of 90/180 days simple interest on the amount withdrawn. This account will automatically renew at maturity. There is a 10 calendar day Grace Period after the Maturity Date. During the Grace Period you can change your term, additional funds can be deposited and funds can be withdrawn without paying an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity, or within the 10 day grace period after maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. eAccess 10 Month CD accounts may only be opened online and accessed via Online and Mobile Banking, and cannot be transacted upon in a branch. Fees may reduce earnings. Please review complete details during the online application process.