Your CD Portfolio Could Earn Additional Interest

Since launching the CD ReFi Program in 2022, ADM has provided an estimated $740,484 in additional interest income to clients.

CD ReFi Program Case Study

Placed CDs prior to the rate increases of 2022? It may be beneficial to revisit your CD portfolio and see if it makes sense to close any CDs and reinvest them at a higher rate. Our CD ReFi Program makes this easy on you. Download the case study to see how the program works and how much current clients have already made in additional interest.

Reserve Certificate Program

The CD Reserve Certificate Program is exclusively for our clients. Below is a current snapshot of current CD rates.

Let’s discuss how you can take advantage of our CD ReFi Project

*The list above does not show all rates and terms available. Please contact our client services team to learn about other options. 1Actual ADM network bank rates as of 5/10/2024. Clients’ ability to obtain highest rates may be subject to restrictions and limitations. Rates and availability subject to change. Maximum deposit of $245,000 per placement. Exclusions may apply. Gross rates do not reflect CD placement fee.

You may be subject to an early withdrawal penalty assessed by the financial institution. If the financial institution consents to the request for withdrawal, you agree to pay the penalty determined by the financial institution. You also acknowledge that the penalty is separate from any fees charged by ADM in connection with the placement of the CD and the penalty may decrease your principal balance depending on the terms and conditions of the account.

Money market accounts and Certificates of Deposit satisfy the Federal Deposit Insurance Corporation’s (FDIC)’s and National Credit Union Association’s (NCUA) requirements for agency pass-through deposit insurance coverage. Program and custodial banks are not affiliated with ADM and are not responsible for, and do not guarantee the products, services or performance of third-party providers. ADM is not a member of the FDIC or NCUA, but the banks and credit unions where your money is deposited are FDIC and NCUA members.