Some of the more popular and compelling Total CD rates are found in their “Bump Up” offers. These are standard certificates of deposit that give you the option to “bump up” to a higher rate if rates rise during the CD’s term. They come in several term lengths and some are tiered by deposit amount.

Bump Up Total Bank CD Rates
A 9 month term has a $1,000 minimum deposit requirement and gives a 0.75% annual percentage yield (APY). The 11 month offer at $1,000 minimum has a 0.80% APY while a deposit of $25,000 or more has a 0.85% APY.

The 19-month offer has a 0.95% APY ($1,000 minimum) and a 1.00% APY if the deposit is $25,000 or above. The 35 month offer is 2.79% APY and the 60-month offer is 3.00% APY no matter the deposit ($1,000 minimum on both, no tiers).

Standard Total Bank D Rates
The standard CDs are in month ranges, starting at 3 months. All of these certificates of deposit have a $1,000 minimum to open.

The 3 month term pays 0.50% APY, the 6 and 7 month pays 0.65% APY, and the 9 month pays 0.75% APY. Twelve to 17 months pays 0.85% APY and 18 months pays 0.95% APY.

Longer terms of 30-59 months pay 1.10% APY, and sixty months pays 1.35% APY.

There are other terms not listed here, but these will give you the general idea of what to expect.

Total Bank is FDIC insured, of course.

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The CD rates at Total Bank are in three forms (besides the retirement/IRA): Traditional, Promotional/Online-Only, and Bump Up Total CD rates. Each of these is unique from the others as far as returns and terms, but the best CD rates in that group are the Promotional, Online-Only rates.

The Online-Only Total Bank CD rates are in 3, 6, 9, or 12 month terms with a $1,000 minimum deposit and a 2.55% annual percentage yield (for all four terms). Interest is compounded monthly and paid out at the end of the term.

For Total CD rates that are close to that, the Promotional CDs come in 7, 11, and 13 month terms. These also have a $1,000 minimum balance to open and return 2.25% APY (each). These can be opened at any Total Bank branch office for best CD rates.

Finally, Traditional CD rates at Total Bank come in a lot of different terms and offers. The highest yields are from the 60+ month terms, which give 1.35% APY with a $1,000 minimum deposit. 30-59 months nets you 1.10% APY and 24-29 months gives 1.00% APY.

Of course, Total Bank CD rates can change at any time and all accounts are FDIC insured to the fullest extent of the law. If any of the best CD rates at Total appeal to you, lock yours in now.

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