Unlike a traditional Certificate of Deposit (CD), our Triple Option CDs come with FDIC insurance and provide three valuable benefits:
Benefit 1: Unlimited Rate Bump – Anytime
Think you might miss out on rising interest rates? You won’t. You can reset your Certificate of Deposit rate anytime to our posted rate, for any term equal to or greater than the current term. The CD term is also reset when the rate is reset. In addition, you can bump the rate as often as you’d like.
Benefit 2: No Penalty For Medical Withdrawals
Have concerns that you’ll need the money for medical expenses? No problem. You can access your money anytime and withdraw without penalties if used for medical expenses. Minimum withdraw amount is $1,000/withdrawal.
Benefit 3: Add Deposits Anytime
Combine balances and add money to your Certificate of Deposit anytime. Minimum deposit is $1,000 and you can add up to 100% of the CD’s original balance each term.
5.50% APY* for a 6 Month CD ($25,000 Minimum) is a Great Deal!
Simply complete the form to get all the information you need.
Act Now and Make Your Money Work Harder.
Important Information
Procedures for Opening an Account
Mandated by the USA PATRIOT ACT
To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT, a Federal law, requires all financial institutions to obtain, and record information that identifies each person who opens an account.
What this means for you:
When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Term | $2,000 Min. Balance1 for APY2 | $25,000 Min. Balance1 for APY2 | $75,000 Min. Balance1 for APY2 |
6 Month Special (Interest Rate) | 0.14% | 5.5% (5.43%) |
5.5% (5.43%) |
12 Month | 0.18% | 4.79% | 4.79% |
Interest Rates Effective Since October 23, 2023.
.The entire team was easy to work with & made our loan a seamless process for buying a home. Being able to avoid PMI is an awesome benefit.
Dr. Sayer Mansfield, TXThe Physician home loan was exactly what we needed and our lending specialists, Chris, made buying our home easy and enjoyable.
Dr. Moe Reno, NVBeing able to have a 0% down payment was convenient and made it feasible to buy property right out of school. The Physician Bank team was super easy to work with and responsive to our needs either via text, call or email!
Dr. Catibog Roseville, MNKept us informed all throughout the process and was very patient with our questions. We cannot recommend this institution and Julie Velline enough. Thank you!
Dr. Radu Minot, ND140 North Phillips Avenue #101A, Sioux Falls
4.9 61 reviews
Average response time <10 minutes
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The 100% financing option while we started our first post-residency job, their rapid and efficient response rate to our questions and our numerous changes in schedule that occurred with our builder, and the absence of PMI were all extremely helpful.
Dr. David Ogden, UT