Edward Jones Cd Rates
Your long-term savings machine.
Choose from terms as short as three months to as long as seven years with many options in between. The longer the term, the higher the interest rate. $1,000 opening deposit required.
Contact a Personal Banker or visit a local banking center to get started.
I have had a brokered CD with Edward Jones for 5 years. This year, for the first time, I owe a $40 fee for having a self-directed IRA. It’s a 10 year CD that was picked by my “financial adviser”. How do they arbitrarily start charging an annual fee that was not part of. We offer very competitive interest rates, our certificates of deposit (CDs) are FDIC-insured and we have a wide selection of maturity dates and interest payment options. But unlike a bank, at Edward Jones you also get advice and guidance from your personal financial advisor on how CDs fit into your portfolio and your overall financial strategy.
| Term | Interest Rate | APY1 |
|---|---|---|
| 3 months | 0.03% | 0.03% |
| 6 months | 0.03% | 0.03% |
| 12 months | 0.05% | 0.05% |
| 18 months18 month flex | 0.07% | 0.07% |
| 24 months | 0.10% | 0.10% |
| 36 months | 0.15% | 0.15% |
| 48 months | 0.15% | 0.15% |
| 60 months | 0.25% | 0.25% |
| 84 months | 0.25% | 0.25% |
AS A CLIENT OF Rocky Mountain Bank, YOU'LL ALSO HAVE ACCESS TO THESE GREAT SERVICES:
MOBILE BANKING
SAVVY MONEYMANAGEMENT
Cash Back Rewards Credit Card
Earn cash back with no annual fee.
Money Market Savings
Enjoy higher interest rates on higher balances. Plus, with the ability to write up to six checks per month our Money Market Savings is flexible to your savings needs.
Signature Series Checking
Receive our highest interest rates and robust benefits from our premier checking account.
1These interest rates and annual percentage yields (APY) are accurate as of: 03/06/2021. Early withdraw penalties may apply. APY is based upon the maximum term of the deposit for each maturity. Interest is credited at maturity for CD and IRA accounts with a term less than 12 months. Interest is credited or compounded semi-annually for CD and IRA terms 12 months or greater. Minimum balance to obtain APY is $0.01.
carVehicle Loan Rates
*Annual Percentage Rate. Rates available are subject to credit approval and subject to change without notice. Rates shown include the 1% buy-down program discount and no additional discount is available beyond these rates. Additional conditions may apply. Rates are effective as of 11/16/20.
| Amount Financed | Annual Percentage Rate (APR) |
|---|---|
| New / Used Vehicle - Terms 60 months or less | As low as 2.99% APR* |
| New / Used Vehicle - Terms 61 months or greater | As low as 2.99% APR* |
| New / Used Vehicle - 5 Year Balloon | As low as 7.74% APR* |
| New / Used Motorcycle | As low as 6.24% APR* |
| New / Used ATV / UTV | As low as 6.74% APR* |
| New / Used Boat / Jet Ski / RV | As low as 5.49% APR* |
creditcardCredit Cards
*Annual Percentage Rate. Rates available subject to credit approval and subject to change without notice. Rates are effective as of 03/17/20. Application and Solicitation Disclosure (PDF)
| Card | Grace Period | Annual Fee | APR | |
|---|---|---|---|---|
| Visa Platinum | 5 Days | $0.00 | As low as Prime + 3.99% APR* | Currently: 7.24% APR* |
| Signature Card | 5 Days | $0.00 | As low as Prime + 6.49% APR* | Currently: 9.74% APR* |
redirectLoans
*Annual Percentage Rate. Rates available subject to credit approval and subject to change without notice. **Home Equity Line of Credit rate is Prime minus 1% APR*, with a floor of 3.00% APR. Rates are effective as of 11/16/20.
| Loan Type | Annual Percentage Rate (APR) |
|---|---|
| First Mortgage | Home Mortgage Loans |
| Home Equity Loan | As low as 2.74% APR* |
| Home Equity Line Of Credit | As Low as Prime minus 1% APR**. Currently 3.00% APR* |
| Signature | |
| Unsecured | As low as 9.99% APR* |
| Holiday / Vacation | As low as 9.49% APR* |
| Overdraft Protection | As low as 9.49% APR* |
| Share Secured | |
| 100% Secured | As low as 2.05% APR* |
| 50% Secured | As low as 3.05% APR* |
| Certificate Secured | |
| 100% Secured | 2.00% APR* above the Share Certificate |
newspaper Jumbo Share Certificate
*Annual Percentage Yield. Certificate subject to penalty for early withdrawal. Penalty is 90 days interest for terms up to 18 months. Penalty for terms two years or greater is 180 days interest. Rates available as of 8/21/2020 and are subject to change.
CD Rates Disclosure (PDF)
| Period | Minimum Balance | Dividend Payment | Dividend Rate | APY |
|---|---|---|---|---|
| 1 Year | $100,000.00 | Monthly | .65% | .65% |
| 1 Year | $100,000.00 | At Maturity | .65% | .65% |
| 18 Months | $100,000.00 | Monthly | .75% | .75% |
| 18 Months | $100,000.00 | Annually | .75% | .75% |
| 2 Year | $100,000.00 | Monthly | .85% | .85% |
| 2 Year | $100,000.00 | Annually | .85% | .85% |
| 3 Year | $100,000.00 | Monthly | 0.95% | 0.95% |
| 3 Year | $100,000.00 | Annually | 0.95% | 0.95% |
| 4 Year | $100,000.00 | Monthly | 1.05% | 1.05% |
| 4 Year | $100,000.00 | Annually | 1.05% | 1.05% |
| 5 Year | $100,000.00 | Monthly | 1.14% | 1.14% |
| 5 Year | $100,000.00 | Annually | 1.14% | 1.15% |
charts IRA Share Certificate
*Rates available as of 8/21/2020 and are subject to change. Certificate subject to penalty for early withdrawal. Penalty is 90 days interest for terms up to 18 months. Penalty for terms two years or greater is 180 days interest. CD Rates Disclosure (PDF).
| Period | Minimum Balance | Dividend Payment | Dividend Rate | APY |
|---|---|---|---|---|
| 1 Year | $1000.00 | At Maturity | .60% | .60% |
| 18 Months | $1000.00 | Annually | .70% | .70% |
| 2 Year | $1000.00 | Annually | .80% | .80% |
| 3 Year | $1000.00 | Annually | .90% | .90% |
| 4 Year | $1000.00 | Annually | 1.00% | 1.00% |
| 5 Year | $1000.00 | Annually | 1.09% | 1.10% |
moneybag Savings Account
*Annual Percentage Yield. Rates available as of 3/1/21 and are subject to change.
Truth in Savings Disclosure (PDF)
| Account Type | Minimum Balance to earn Dividends | Dividend Period | Dividend Rate | APY |
|---|---|---|---|---|
| Senior Share | $100.00 | Monthly | .10% | .10% |
| Club Accounts | $.01 | Monthly | .10% | .10% |
| IRA Accounts | $.01 | Monthly | .10% | .10% |
| Prime Share | $100.00 | Monthly | .05% | .05% |
Edward Jones Cd Rates
analyticsMoney Market Accounts
Edward Jones Money Market
*Annual Percentage Yield. Rates available as of 3/01/21 and are subject to change.
Truth in Savings Disclosure (PDF)
| Minimum Balance to earn Dividends | Dividend Period | Dividend Rate | APY |
|---|---|---|---|
| $1,000 - $9,999.99 | Monthly | .20% | .20% |
| $10,000 - $24,999.99 | Monthly | .20% | .20% |
| $25,000 - $49,999.99 | Monthly | .30% | .30% |
| $50,000 + | Monthly | .35% | .35% |
percent Step Rate Share Certificate
*Annual Percentage Yield. Certificate subject to penalty for early withdrawal. Penalty for terms two years or greater is 180 days interest. Rates available as of 8/21/20 and are subject to change.
CD Rates Disclosure (PDF)
| Period | Minimum Balance | Dividend Payment | Dividend Rate | APY |
|---|---|---|---|---|
| 2 Year | $1000.00 | Monthly | .70% | .70% |
| 2 Year | $1000.00 | Annually | .70% | .70% |
newspaper Regular Share Certificate
Edward Jones Cd Rates For 5 Years
*Annual Percentage Yield. Certificate subject to penalty for early withdrawal. Penalty is 90 days interest for terms up to 18 months. Penalty for terms two years or greater is 180 days interest. Rates available as of 8/21/2020 and are subject to change.
CD Rates Disclosure (PDF)
| Period | Minimum Balance | Dividend Payment | Dividend Rate | APY |
|---|---|---|---|---|
| 3 Months | $1000.00 | At Maturity | .30% | .30% |
| 6 Months | $1000.00 | At Maturity | .40% | .40% |
| 1 Year | $1000.00 | Monthly | .60% | .60% |
| 1 Year | $1000.00 | At Maturity | .60% | .60% |
| 18 Months | $1000.00 | Monthly | .70% | .70% |
| 18 Months | $1000.00 | Annually | .70% | .70% |
| 2 Year | $1000.00 | Monthly | .80% | .80% |
| 2 Year | $1000.00 | Annually | .80% | .80% |
| 3 Year | $1000.00 | Monthly | .90% | .90% |
| 3 Year | $1000.00 | Annually | .90% | .90% |
| 4 Year | $1000.00 | Monthly | 1.00% | 1.00% |
| 4 Year | $1000.00 | Annually | 1.00% | 1.00% |
| 5 Year | $1000.00 | Monthly | 1.09% | 1.09% |
| 5 Year | $1000.00 | Annually | 1.09% | 1.10% |