BaneSmart Certificates of Deposit

Let your money make more money!

Open Now

Enjoy steady growth and choose the term limit that works best for you.

We offer competitive rates and a wide variety of terms, from 30 days to 5 years. Choose your own payment schedule, either monthly, quarterly, semi-annually or at maturity.

You can deposit your earnings into any of your Banesco USA accounts and enjoy the convenience of online banking.

2.40

6 Month CD under $250,000
Minimum Deposit $1,500

2.95

36-Month CD under $250,000
Minimum Deposit $1,500

For other BaneSmart CD terms available click below:

*Remember that CDs are subject to early withdrawal penalties.

*To earn the Annual Percentage Yield (APY), a $1,500 minimum balance is required. Penalty may be imposed for early withdrawal. For terms greater than 12 months, the APY cannot remain on deposit and payout is mandatory. See disclosures. Only US Residents may apply.

Alert

Options:

Time Preference (USA EST Time):
9:00am - 9:30am
9:30am - 10:00am
10:00am - 10:30am
10:30am - 11:00am
11:00am - 11:30am
11:30am - 12:00pm
12:00pm - 12:30pm
12:30pm - 1:00pm
1:00pm - 1:30pm
1:30pm - 2:00pm
2:00pm - 2:30pm
2:30pm - 3:00pm
3:00pm - 3:30pm
3:30pm - 4:00pm
4:00pm - 4:30pm
4:30pm - 5:00pm

We will reply Monday through Friday between 9:00 am and 5:00 pm.