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EverBank CD Rates: June 2025

See how EverBank's CD rates compare to other banks

By

澳洲幸运5官方开奖结果体彩网:Jessica Ullrich

Updated May 29, 2025

Female financial advisor reviewing data on laptop while meeting with businesswoman in office — Thomas Barwick / Getty Images

If you’re shopping around for a new CD account, choosing one that aligns with your financial situat🌳ion and offers a generous rate is important—especially if you want to deposit a large sum of money. One option worth considering for a n♛ew CD account is EverBank, which offers rates up to 4.10%.

This financial institution offers several CD options suitable for different customers, including a CD that offers expanded FDIC insurance protection of up to $50 million.

Here’s a look at EverBank's CD rates and account features, as well as some account options from some of 澳洲幸运5官方开奖结果体彩网:the best CDs and tips for choosing the right CD.

EverBank Performance CD Rates
CD Term	APY	Minimum Balance
3 months	3.90%	$1,000
6 months	3.90%	$1,000
7 months	4.10%	$1,000
9 months	3.80%	$1,000
1 year	3.80%	$1,000
13 months	4.10%	$1,000
18 months	3.60%	$1,000
2 years	3.65%	$1,000
25 months	3.75%	$1,000
30 months	3.50%	$1,000
3 years	3.50%	$1,000
4 years	3.50%	$1,000
5 years	3.50%	$1,000

CDARS CD Rates
CD Term	Funding Limit	APY	Minimum Balance
3 months	$12 million	3.35%	$10,000
6 months	$12 million	3.33%	$10,000
1 year	$12 million	3.27%	$10,000
2 years	$1 million	2.91%	$10,000
3 years	$0.5 million	3.22%	$10,000

Compare EverBank CD Rates

EverBank's CDs have fairly decent rates, but you may be able to secure even higher returns by shopping around and comparing different CDs.

EverBank CD Rates: Key Features

EverBank Performance CD Key Features
APY Range	3.50%–4.10%
Minimum Balance	$1,000
Term Range	3 months–5 years
Early Withdrawal Penalty	From 22 days of interest to 456 days of interest, depending on CD term
Grace Period for Penalty-Free Withdrawals	Not disclosed

The EverBank Standard CD is a straightforward option offering generous APYs and a variety of term lengths. It’s a good option if you want relatively high rates, and its range of maturity dates makes it a good choice for 澳洲幸运5官方开奖结果体彩网:CD laddering as well.

CDARS CD Key Features
APY Range	2.91%-3.35%
Minimum Balance	$10,000
Term Range	3 months - 3 years
Early Withdrawal Penalty	Yes, but details not disclosed
Grace Period for Penalty-Free Withdrawals	Not disclosed

EverBank also offers a CDARS CD, which provides increased FDIC coverageꦆ by distributing balances among several FDIC-insured banks. Generally, specific account categories at individual banks are FDIC-insured up to $250,000.

But with this CD, your FDIC insurance increases into the millions. Those with significant savings looking for the added protection of higher FDIC insurance may benefit from this CD.

Important

With EverBank's CDARS CD, your money will be in multiple accounts with multiple banks. While this isn’t necessarily a cause for concern, it’s important to note as you compare CDs.

Pros and Cons of EverBank

Pros

澳洲幸运5官方开奖结果体彩网:Variety of terms

Cons

澳洲幸运5官方开奖结果体彩网:Minimum balance requirement
澳洲幸运5官方开奖结果体彩网:Non-competitive rates

Pros Explained

Variety of terms: EverBank CDs come in a variety of terms of up to five years.

Cons Explained

Minimum balance requirement: EverBank's CDs have a minimum deposit requirement of $1,000 or $10,000, depending on the CD type.
Non-competitive rates: EverBank's CDs have fairly competitive rates, but you can likely find even higher rates by shopping around.

About EverBank

In addition to CDs, EverBank offers a high-yield savings account and a money market account. It also offers business banking and commer🎃cia𓆏l financing.

Alternatives to EverBank CDs

High-yield savings accounts: If you’re willing to open an online savings account elsewhere, you may be able to earn higher rates. See the best high-yield savings account rates to compare how much you could earn.
High-yield checking accounts: You may find relatively high rates with some checking accounts. Be aware of their requirements and limits. The 澳洲幸运5官方开奖结果体彩网:best high-🌟interest checking accounts give you easy access to your money.
Certificates of deposit (CDs): You can also choose from a range of 澳洲幸运5官方开奖结果体彩网:C🍸Ds from other fin🧸ancial institutions.
Money market account: Money market account can also provide a return on your savings. Check the 澳洲幸运5官方开奖结果体彩网:best money market account rates to see how it compares.
Treasury securities: These government-backed bills, notes, and bonds sometimes offer even higher rates than CDs and may be more liquid.

Frequently Asked Questions (FAQs)

How Do You Get a CD With EverBank?

You can open an EverBank Performance℠ CD online. This bank mentions that the online application process takes just five minutes, so it’s fairly simple to 澳洲幸运5官方开奖结果体彩网:open a new CD account.

Are EverBank CDs Worth Investing In?

EverBank offers relatively generous APYs for its CDs, so it could be worth opening a CD account if you can afford to keep your money in it for the full term. Just keep in mind that withdrawing your money early will result in penalties, and take the time to 澳洲幸运5官方开奖结果体彩网:shop aroun🐟d for the highest-yield CDs before making a decision.

How Do You Get the Best CD Rate With EverBank?

EverBank offers different CD rates for different term lengths and account types. To find the best posܫsible home for your money, compare terms and select the option with the highest rate. The best CD for you will be the one that aligns best🦩 with your needs (including minimum deposit requirements), so keep this in mind as you compare.

Are EverBank CDs FDIC-Insured?

Yes, EverBank's CDs are FDIC-insured. Its Performance℠ CDs and Bump Rate CDs are insured up to $250,000, while its CDARS® CD is insured up to $50 million. Note that the CDARS CD’s balance is distributed across multiple 澳洲幸运5官方开奖结果体彩网:FDIC-insured bank accounts, which is why it has increase൲d FDIC coverage.

Your Guide to CDs

Article Sources

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