Principal protection with market returns
Calculate potential returns when comparing a Market-Linked CD to a traditional Bank CD, by setting an initial deposit amount and projecting a Market-Linked CD’s annualized rate of return.
What can MLCDs do for you?
Find growth potential
With Market-Linked CDs it’s possible to increase the opportunity of seeing greater returns. MLCDs are designed to provide investors with the ability to participate in the performance of the underlying index, while retaining certain characteristics of a traditional CD.
Limit downside risk
If the performance of the underlying index of an MLCD drops the principal investment is protected. It is important to highlight that Market-Linked CDs only guarantee principal back at maturity and thus if an investor sells or redeems their investment prior to maturity, they may receive a return of less than their original investment.
In addition to principal protection, MLCDs offer the safety of an FDIC-insured CD. MLCDs carry insurance protection, subject to limitations, including FDIC coverage up to $250,000 per account title. Please refer here for more information regarding FDIC insurance and limits.
Frequently Asked Questions
What is the payout?
At maturity, investors receive the full initial investment plus an additional amount based on the return of the underlier. Please read the offering circular on each offering before participating.
What are the risks?
MLCDs may not be a suitable investment for all investors. Risks include liquidity risk, market risk, credit risk, and performance risk. Please read the offering circular on each offering before participating.
What is the term length?
A CD term length is the length of time your principal is invested in the MLCD between trade date and maturity date. MLCDs guarantee the return of the principal only if held until maturity.
Find out more about MLCDs at Motif
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