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Program Benefits

The market-linked CD program is a great tool to raise low-cost core, or brokered, deposits and is designed to help issuing banks differentiate themselves and compete for current and prospective customer deposit dollars.

Your bank, as the issuer, can issue in terms of one to six years and would have a lower cost of funds than wholesale funding alternatives.  market-linked CDs can reduce bank liquidity risk by providing a competitive substitute for Federal Funds or FHLB advances.


Benefits to your bank:

  • Enjoy increased fee income/revenues.
  • Take advantage of a low-cost funding source.
  • Benefit from high-quality, long-term stable funding.
  • Gain a competitive advantage.
  • Attract new and existing customer deposits.
  • Expand your product offerings while promoting your bank's brand with a private-labeled product.

Benefits to financial advisors:

  • Sell your bank's market-linked CDs rather than those offered by your competitors.
  • Minimize investment risk for their clients.
  • Differentiate their investment recommendations from competitors.
  • Earn commission.

Benefits to customers:

Market-linked CDs offer unique benefits for customers:
  • 100% principal protection when held to maturity
  • FDIC insurance coverage (up to applicable limits)
  • Portfolio diversification
  • Growth potential with limited downside risk
  • Affordable minimum deposit of $1,000
  • No commissions

Customer Benefits