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Foreign Currencies and CDs. We think that's a great combination.

We bring foreign currencies closer to home with a familiar product



WorldCurrency Certificates of Deposit - Single-currency

If you seek to diversify your portfolio globally, then foreign currencies could be a beneficial addition. And our WorldCurrency® certificates of deposit Glossary can make adding currencies a simple process—and potentially rewarding too. You earn interest in the currency of your choice and potentially benefit from appreciation against the U.S. dollar. However if your selected currency depreciates against the U.S. dollar, you could experience a loss to some of your principal deposit. We also offer competitive conversion exchange rates Glossary within 1% of the available market rate for your currency—among the lowest in the nation.1

  • From Australia to Switzerland


    Earn interest from a wide selection of foreign currencies.
  • Apply Now

WorldCurrency® CDs offer the following benefits and features:

  • Available in 3-, 6-, 9-, and 12-month terms.
  • Returns based on a fixed interest rate and potential appreciation in the selected foreign currency versus the U.S. dollar. However, if the selected currency loses value versus the U.S. dollar, you could experience a loss of principal.
  • No monthly account fees.
  • Open with a competitive minimum deposit of $10,000 (some exceptions may apply).
  • FDIC insured for bank insolvency.2

World Currency CD Yields - $10,000 ($US) Minimum Deposit


Annual Percentage Yield (APY)3
Rates as of 8/27/2010 12:00:00 AM
3 month 6 month 9 month 12 month
Currency Name Rate APY Rate APY Rate APY Rate APY
Australian dollar 3.00% 3.03% 3.25% 3.28% 3.30% 3.31% 3.63% 3.63%
Brazilian real 6.00% 6.14% na na na na na na
British pound 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
Canadian dollar 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
Czech koruna 0.10% 0.10% 0.10% 0.10% na na na na
Danish krone 0.13% 0.13% 0.13% 0.13% na na na na
Euro 0.13% 0.13% 0.13% 0.13% 0.13% 0.13% 0.13% 0.13%
Hong Kong dollar 0.13% 0.13% 0.13% 0.13% na na na na
Indian rupee 0.13% 0.13% na na na na na na
Japanese yen 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Mexican peso 2.25% 2.27% 2.75% 2.77% na na na na
New Zealand dollar 1.25% 1.26% 1.50% 1.51% 2.00% 2.01% 2.50% 2.50%
Norwegian krone 0.50% 0.50% 0.60% 0.60% 0.63% 0.63% 1.00% 1.00%
Singapore dollar 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% na na
South African rand 4.25% 4.32% 4.38% 4.42% na na na na
Swedish krona 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Swiss franc 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Your WorldCurrency CD includes the EverBank® Asset Manager Service Glossary, which automatically combines all of your banking, World Markets and other EverBank investment accounts into one relationship.

How can I be sure that opening a WorldCurrency CD is right for me?

Our WorldCurrency CDs deliver an easy way for you to participate in the often complex world of foreign currencies. These CDs can be useful in hedging your U.S. dollar investments or rounding out your long-term portfolio strategy. We encourage you to use our currency tools and resources to educate yourself about currency investing and assess your tolerance for the associated risks.

What can you tell me about any risks associated with WorldCurrency CD accounts?2

While FDIC insurance will protect you from bank failure up to $250,000, it's important to understand that your deposit will be susceptible to losses or gains due to currency-price fluctuations. Various geopolitical and economic influences can affect a currency's value. We recommend that you carefully consider both the potential for currency appreciation (or loss) along with the rate of interest that you may earn when assessing the use of foreign currency products as part of a broadly diversified investment strategy.

I'm interested in opening a WorldCurrency CD account, what's my next step?

Please note: Not all investments are right for all investors. You should conduct your own research and/or consult with an investment advisor before making any investment.

  • Before opening a WorldCurrency account, we recommend reading what to expect when opening a currency account to learn about currency conversion and other important trading procedures.
  • Once you select the currency offering that's right for you, apply online or call 800.926.4922 for more information.
  • For your protection, we require that you sign and mail your application along with a deposit.
  1.  
  2. EverBank, EverTrade, the EverBank Infinity Sphere and the EverBank logo, along with WorldCurrency and MarketSafe are proprietary service marks of EverBank. All rights reserved.

Important Disclosures

  1. If you request funds in this account be denominated in a currency other than the currency you deposit with EverBank, we will convert your currency using a then current Exchange Rate. The Exchange Rate you pay will be within 1% of the available Market Rate for the selected foreign currency. Exceptions may occur when a specific conversion rate is agreed upon between you and EverBank or when an Exchange Rate is limited by conditions beyond our control (including government restrictions, wars, insurrections, economic conditions in the country whose currency you select or in the United States, and/or other "Acts of God"). The Market Rate is a market price available on the Interbank currency market and is not published in any newspaper, on any website or in any other publicly available source. Published exchange rates or spot rates may not accurately reflect rates on the Interbank Market or the Exchange Rate available to you. You are not obligated to conduct Exchange Transactions with EverBank. Please see the Foreign Currency Deposit Account Disclosure for more information about EverBank's Exchange Rates.

  2. EverBank is an FDIC insured federal savings association. The standard FDIC insurance limit of $250,000 applies per depositor, per insured depository institution for each account ownership category. FDIC insurance covers against loss due to the failure of the institution, but not fluctuations in currency values. Due to the nature and volatility of the foreign exchange market, the values of currencies are subject to wide fluctuations against the U.S. dollar and investments in foreign currency denominated instruments will entail significant risk exposure to adverse movements of the foreign currency relative to the U.S. dollar. The amount of deposit insurance available for funds denominated in foreign currency will be determined and paid in the United States dollar equivalent of the foreign currency on the institution's date of default. As with all investments, you can lose money, including principal, due to currency fluctuations, over the term that you own it. Please only invest with money that you can afford to risk, and as part of a broadly diversified investment strategy.

  3. Rates as of 8/27/2010 12:00:00 AM. Rates may change at any time prior to the opening of the CD. The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Penalties for early withdrawal apply. The stated APY does not reflect the potential gains or losses that may occur due to fluctuations in the currency market. A minimum deposit of $10,000 or foreign currency equivalent is required to open the account. For the special Indian rupee and Brazilian real CDs the minimum opening deposit is $20,000 or foreign currency equivalent.