Certificate Of Deposit (CD) in UBS
Certificate Of Deposit (CD) in UBS
Earn predictable interest and safeguard your cash with a Certificate of Deposit (CD) available through UBS. Designed for stability and clarity, a UBS CD offers a fixed interest rate over a defined term, making it a straightforward way to lock in yield, diversify your cash strategy, and plan future expenses with confidence. Whether you’re building a cash reserve, setting aside funds for near‑term goals, or complementing a broader fixed income portfolio, CDs through UBS provide disciplined, time‑bound growth backed by the strength of leading U.S. issuing banks.
Why consider a UBS CD?
UBS connects you to a selection of CDs issued by FDIC‑member banks, allowing you to choose maturities and structures aligned with your timeline. With competitive rates, clear terms, and professional support, you can focus on what matters—reliable income and principal protection when held to maturity.
Key features and benefits
- Fixed rate, fixed term: Secure a known interest rate for a set period—typically 3 months to 5 years—so your return doesn’t fluctuate with market headlines.
- Principal protection at maturity: Hold to maturity to receive your full principal, plus accrued interest, subject to the creditworthiness of the issuing bank.
- Diverse maturities: Build a CD ladder with staggered terms to balance yield and liquidity as rungs mature on a rolling basis.
- Flexible interest schedules: Depending on the issue, interest may be paid monthly, quarterly, semi‑annually, or at maturity, helping you manage cash flow.
- Transparent pricing: Terms, rates, and any applicable costs are clearly disclosed before you commit.
- Seamless oversight: View holdings and track interest alongside your other UBS accounts for holistic cash and investment management.
How a UBS CD works
When you purchase a CD through UBS, you select a maturity date and agree to a fixed rate set at issuance. Your CD is an obligation of the issuing bank; if you hold it to maturity, you receive your principal and accrued interest as specified in the disclosure. If circumstances change, brokered CDs can generally be sold on the secondary market before maturity, but the sale price may be higher or lower than face value based on prevailing interest rates and market conditions. For traditional bank‑held CDs, early withdrawals may be restricted and can incur penalties per the issuer’s rules.
Safety, insurance, and issuer
CDs available through UBS Financial Services in the U.S. are typically issued by FDIC‑insured banks and are eligible for FDIC insurance up to the applicable limits per depositor, per insured bank, per ownership category. FDIC insurance covers principal and accrued interest up to those limits if the issuing bank fails; it does not protect against market price changes if you sell a brokered CD prior to maturity. CDs are obligations of the issuing bank and are not guaranteed by UBS unless UBS Bank USA is the issuer. Always review the issuing bank, insurance details, and offering documents before purchase.
Who is it for?
A UBS Certificate of Deposit may suit investors who want to preserve capital, secure a known yield, and schedule liquidity for specific dates. CDs can complement high‑quality bonds and cash equivalents, reduce reinvestment uncertainty, and provide structure to corporate, personal, or trust cash policies.
Getting started
Speak with your UBS Financial Advisor to review current UBS CD rates, available maturities, minimums, and interest payment options. Your advisor can help you build a custom CD ladder, coordinate ownership titling for FDIC coverage considerations, and integrate CDs into your broader investment plan. Eligible clients may also access new‑issue and secondary‑market CDs through supported UBS digital channels.
Important information
Rates, terms, and availability are subject to change and may vary by issuer and market conditions. Early redemption of brokered CDs requires a secondary‑market sale and may result in a gain or loss. This material is for informational purposes only and is not investment advice. Review the prospectus or offering documents for details on features, risks, and costs, and confirm FDIC coverage limits based on your total deposits with the issuing bank across ownership categories.
Put your idle cash to work with the clarity and discipline of a UBS CD—predictable income, defined timelines, and institutional access in one streamlined solution.
Address Bank: Zurich and Basel, Switzerland
Bank: UBS
Headquarters: New York City
Products: Deposit Accounts
Type: Certificate of Deposit (CD)
Banks2go — A Comprehensive Marketplace for Financial and Insurance Services
Banks2go is a user-friendly marketplace that helps you discover, compare, and apply for banking and insurance products in one place. Whether you’re building credit, opening a business account, or shopping for auto insurance, Banks2go brings together transparent information, smart tools, and trusted partners to make selection simple and fast.
Banking Products
Credit Cards- Compare a wide range of cards across APRs, intro 0% APR periods, rewards structures (cash back, travel miles, transferable points), welcome bonuses, balance transfer terms, foreign transaction fees, and penalty rates.
- Filter by your goals—everyday cash back, premium travel, no-annual-fee, balance transfer, or credit building—and see estimated value based on your spending profile.
- Get instant prequalification checks with no impact to your credit score, complete secure online applications in minutes, and track application status in real time.
- See key terms clearly explained: grace periods, minimum payments, credit limits, authorized user rules, and redemption options (statement credit, travel portals, partner transfers).
- Access educational guidance on responsible credit use, utilization ratios, and how on-time payments can strengthen your credit over time.
- Compare business accounts side-by-side on monthly maintenance fees, minimum balance requirements, included free transactions, ACH and wire pricing, cash deposit limits, ATM access, and treasury features.
- Explore value-added services like merchant processing, virtual cards, integrated invoicing, and expense management.
- Onboard quickly online for LLCs, corporations, and sole proprietors with clear documentation checklists and guided KYC/AML steps.
- Connect your account to popular accounting and finance tools (e.g., QuickBooks, Xero) for streamlined reconciliation, payroll, and tax prep.
- View specialized options for startups, freelancers, and nonprofits, including accounts with no or low fees and scalable limits as your business grows.
- Find student-friendly cards with no or low annual fees, simple rewards, spending controls, and features designed to build credit responsibly.
- Get clear eligibility guidance for both domestic and international students, including SSN/ITIN requirements and income verification tips.
- Learn about security deposits for secured cards, credit limit increases with good behavior, and tools that help track spending and avoid late fees.
- Access resources on establishing credit from scratch, protecting your score, and using student benefits like streaming or transit rewards.
Insurance
Auto Insurance- Compare quotes from top-rated national and regional carriers across states, with coverage options that include liability, collision, comprehensive, uninsured/underinsured motorist, roadside assistance, and rental reimbursement.
- Customize deductibles and limits and see how changes affect your monthly premium in real time.
- Explore common discounts—safe driver, multi-policy, good student, usage-based/telematics, multi-vehicle—and understand eligibility criteria.
- Bind e-policies in minutes with digital ID cards and flexible payment options (monthly, quarterly, semi-annual).
- Access plain-English explanations of state minimums, gap insurance for financed vehicles, and when it makes sense to add or drop coverage types.
Easy Selection
Smart Filtering and Personalization- Use dynamic filters and guided questionnaires to surface recommendations based on your financial profile, risk tolerance, and specific goals (e.g., pay down debt, earn travel rewards, reduce fees).
- Compare key terms side-by-side—rates, fees, limits, perks, coverage details, and exclusions—so trade-offs are obvious and transparent.
- Read concise summaries and detailed breakdowns in plain English, with highlight callouts for gotchas like deferred interest, balance transfer fees, or coverage gaps.
Wide Catalog
Broad, Up-to-Date Network- Access a wide network of U.S. banks, credit unions, fintechs, and national insurers—all in one place—so you don’t need to visit branches or spend hours on phone calls.
- See current promotions, limited-time offers, and partner deals aggregated and refreshed regularly, with clear eligibility and expiration details.
- Benefit from standardized comparisons that make complex products easy to understand and evaluate.
Why Banks2go
- Speed and Transparency: From prequalification to application and policy binding, steps are consolidated and clearly explained.
- Education Built In: Bite-sized guides and checklists help you make confident decisions without financial jargon.
- Secure and Privacy-Conscious: Application flows follow industry-standard security protocols, and prequalification tools avoid hard credit pulls unless you opt to apply.
Choose what you need
More than50000
services
Convenient search
The most beautiful site
The site works 24/7