Secure Online Banking

Certificates of Deposit

Many Royal Bank certificates of deposit (CDs) offer higher rates of return than savings accounts. CDs may be ideal products for achieving savings and retirement goals. Remember, there may be penalties for early withdraw so be sure to consult your personal financial advisor.


FDIC insured


Predictable rate of return


Term lengths from 3 months to 10 years


IRA CDs available

*To qualify for the 1.25% Annual Percentage Yield (APY), open a new 18 month certificate of deposit online at Royal Bank with a minimum deposit of $1,000 or more at account opening. The APY is accurate as of February 1, 2016 and subject to change at any time. This offer is only available to consumers who reside in Royal Bank America’s market area.  Penalty may apply for early withdrawal. Fees may reduce earnings. Other CD terms and rates available.
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Online-only CD Offer

Your closest Royal Bank America branch is just a click away.

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