In observance of Martin Luther King Jr., our Business Centers will be closed on Monday, January 18th. En conmemoración del día de Martin Luther King Jr., nuestros Centros de Negocios estarán cerrados el lunes 18 de enero. Em comemoração ao dia de Martin Luther King Jr., nossos Centros de Negócios estarão fechados na segunda-feira, 18 de janeiro.

COVID-19: Latest news regarding account assistance and other updates.

BaneSmart Certificates of Deposit Amazing Rates

0.70% APY*
12-Month CD Rate

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 6 months to 3 years.

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


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


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

For other BaneSmart CD terms available click below:

Use this calculator to find out how much interest you can earn:

At the end of your 0 month term, you'll have a total of:

$ 0.00

*Anything calculated or described in connection with this CD calculator is for illustrative and interactive purposes only and is not intended to provide any financial advice. The Interest and Annual Percentage Yield (APY) earned amount is based on the advertised APY, and assumes that for the entire investment period, that the principal and interest remain on deposit and there are no withdrawals. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances.

*Effective August 28th, 2020 *CDs are subject to early withdrawal penalties. *Rates are subject to change at any time without notice.

*To earn the Annual Percentage Yield (APY), a $1,500 minimum balance is required.
*For terms greater than 12 months, the APY cannot remain on deposit and payout is mandatory. Fees may reduce earnings. See disclosures.

*Only US Residents may apply. Available to consumer/personal account holders only.



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