What is a Certificate of Deposit?
A Certificate of Deposit (CD) is a secure investment instrument that allows you to invest a fixed sum for a specific term at a guaranteed interest rate. CDs offer a safe way to grow your money with predictable returns and are ideal for investors seeking stability and security.
Investment Terms: 6 months to 12+ months | Features: Guaranteed rates, fixed term, principal protection, flexible amounts
CD Features & Advantages
Guaranteed Interest Rates
Lock in your rate for the entire investment period with no market risk.
- Fixed interest rate
- Rate guaranteed at opening
- No rate changes
- Predictable returns
- Risk-free investment
- Peace of mind
Principal Protection
Your initial investment is fully protected throughout the CD term.
- Safe investment
- Principal guaranteed
- Bank-backed security
- No capital risk
- Regulatory protection
- Secure deposits
Flexible Investment Terms
Choose from multiple term options to match your financial timeline.
- 6-month terms
- 9-month options
- 12-month plans
- Extended periods
- Custom amounts
- Flexible reinvestment
Competitive Rates
Earn attractive interest with rates competitive in the market.
- Market-competitive rates
- Higher rates for longer terms
- Volume discounts available
- Negotiable for large amounts
- Transparent pricing
- No hidden charges
Easy Maturity Management
Simple processes at CD maturity with rollover or withdrawal options.
- Auto-renewal option
- Easy withdrawal
- Seamless reinvestment
- Interest crediting
- Account notifications
- No hassle process
Dual Currency Options
Invest in USD or LRD based on your preference and needs.
- USD CDs available
- LRD CDs available
- Competitive USD rates
- Attractive LRD rates
- Currency flexibility
- Easy currency choice
Certificate of Deposit Interest Rates
| CD Term | Interest Rate | Minimum Investment |
|---|---|---|
| 6 Months | 2.25% p.a. | Varies by bank policy |
| 9 Months | 2.35% p.a. | Varies by bank policy |
| 12 Months | 2.50% p.a. | Varies by bank policy |
| Above 12 Months | Up to 3.00% p.a. | Varies by bank policy |
Special Rates Available: Higher rates can be negotiated for substantial deposits (USD $100,000+), long-term commitments, and institutional investors. Contact our Treasury Department for customized CD rates and terms tailored to your investment needs.
Why Choose CDs?
Safety & Security
- FDIC-equivalent protection
- Principal guarantee
- Bank-backed security
- No market risk
- Regulatory compliance
- Licensed institution
Predictable Returns
- Fixed interest rate
- Guaranteed earnings
- Income stability
- Easy calculation
- Rate certainty
- No surprises
Ease of Use
- Simple account opening
- Minimal requirements
- Easy management
- Quick processing
- Online access
- Clear terms
How to Open a Certificate of Deposit
Choose Your CD Terms & Visit LBDI or Apply Online
Provide Documentation
Make Your Deposit
Receive CD Certificate
Start Your CD Investment Today
Secure your financial future with LBDI Bank’s Certificate of Deposit. Guaranteed rates, principal protection, and competitive returns make CDs the smart choice for safe wealth growth.
