Equity Linked Certificates of Deposit

Equity Linked Certificates of Deposit may appeal to investors who are not willing to risk principal, but who are looking for growth potential in order to reach long-term goals such as retirement or a college education.

What are the advantages of equity linked certificates of deposit? 

Equity-Linked Certificates of Deposit are designed to help investors participate in potential equity growth, with interest that is based on the performance of certain broad-based common stock indices, such as the Dow Jones Industrial AverageSM or Standard & Poor’s 500, over a fixed time period.

Investors who value principal preservation will like knowing that Equity Linked Certificates of Deposit feature 100% principal return through FDIC insurance, regardless of the performance of the equity index used.

Equity Linked Certificates of Deposit Considerations...

• Because early withdrawals are generally not permitted, Equity Linked Certificates of Deposit are recommended for investors who intend to hold until maturity.

• Due to tax considerations, Equity Linked Certificates of Deposit may be best suited for tax-deferred accounts such as IRAs.