Quontic Certificates of Deposit: Lock in Rates Up to 3.75% APY
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Quontic Certificates of Deposit: Lock in Rates Up to 3.75% APY
Quontic Certificates of Deposit offer guaranteed returns with competitive rates up to 3.00% APY.
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Quontic Certificates of Deposi...
What are Quontic Certificates of Deposit?
Quontic CDs are fixed-term savings products that pay a guaranteed interest rate for the duration of your chosen term.
With options ranging from 6 months to 5 years, you can tailor your savings strategy to your goals.
Interest is compounded daily, and your principal is protected by FDIC insurance. At maturity, you can withdraw your funds or reinvest in another CD to keep earning.
Quontic Bank Certificates Overview
| Term | APY | Minimum Deposit | Fees | Action |
|---|---|---|---|---|
| 6 Months | 3.75% | $500 | $0 | Visit Quontic |
| 1 Year | 3.00% | $500 | $0 | Visit Quontic |
| 2 Years | 3.35% | $500 | $0 | Visit Quontic |
| 3 Years | 3.25% | $500 | $0 | Visit Quontic |
| 5 Years | 3.00% | $500 | $0 | Visit Quontic |
How They Work
Choose from a range of terms, open with as little as $500, and enjoy FDIC-insured security for your savings.
- Choose Your Term: Select your certificate term, from 6-month, 1-year, 2-year, 3-year, or 5-year options.
- Open with $500: This is the minimum deposit to start earning.
- Earn Guaranteed Interest: Your APY is fixed for the full term, compounded daily and credited monthly.
- Wait Until Maturity: Keep funds in the CD until the term ends to avoid penalties.
- Redeem or Reinvest: Withdraw your funds or roll them into a new CD at maturity.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| High APY | Earn some of the highest rates available for fixed-term savings. |
| Multiple Term Options | Match your CD length to your savings goals. |
| $500 Minimum Deposit | Start saving with a relatively low entry point. |
| Daily Compounding | Maximize your earnings over time. |
| FDIC Insured | Deposits protected up to $250,000 per depositor. |
| No Monthly Fees | All your interest stays in your account. |
Who Are Quontic CDs Best For?
- People looking for predictable, guaranteed returns
- Savers building a CD ladder strategy
Pricing & Fees
- Minimum Deposit: $500
- Monthly Fees: None
- Early Withdrawal Penalty: Applies if funds are withdrawn before maturity
Trust & Security
- Offered by Quontic Bank, an FDIC member bank
- FDIC insured up to $250,000 per depositor
- Secure account management via encrypted online platform
Quontic Bank Certificates FAQs
Can I add funds to my CD after opening?
onal deposits are not allowed once your CD is opened. You can open additional CDs at any time.
What happens when my CD matures?
You’ll have a grace period to withdraw your funds or reinvest in a new CD at the current rates.
Is my rate fixed?
Yes. Your APY is locked for the entire term of the CD.
Is my money safe?
Yes. All Quontic CDs are FDIC insured up to $250,000 per depositor.
Lock In a Competitive Rate with Quontic CDs
Choose a term that fits your goals and secure a fixed return with Quontic’s Certificates of Deposit—safe, simple, and FDIC insured.
| Account Types | Individual |
|---|---|
| Fees & Pricing | No Monthly Fees |
| Minimum Deposit | $500–$999 |
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