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MYSB Direct Online CD Rate Specials

You can open a M.Y. Safra Bank account at anytime or from anywhere that is convenient for you. It’s simple, secure, and takes just minutes to open a new account. Continue below to get started.





36 Months CD 60 Months CD
2.70% APY 2.96% APY 3.06% APY





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All Rates Subject to Change Daily- Effective as of  April 23, 2019

MYSB Direct Certificates of Deposit Accounts
Account Term Interest Rate **Annual Percentage Yield (APY)
3 Months Online Promotion*** 1.93% 1.95%
6 Months Online Promotion*** 2.03% 2.05%
12 Months Online Promotion**** 2.67% 2.70%
18 Months Online Promotion***** 2.72% 2.75%
24 Months Online Promotion*** 2.81% 2.85%
36 Months Online Promotion*** 2.92% 2.96%
48 Months Online Promotion*** 2.97% 3.01%
60 Months Online Promotion***** 3.02% 3.06%
72 Months Online Promotion*** 3.02% 3.06%

*National Average obtained from
**The APY assumes monthly compounding of interest and that interest will remain on deposit until maturity.
***$1,000 Minimum balance required to open Online CD Accounts.
****$500 Minimum balance required to open 12 Month Online CD Account.
*****$750 Minimum balance required to open 18 Month and 60 Month  Online CD Account.


Annual Percentage Yield (APY) is accurate as of 4/23/2019 and applies to US natural persons depositing new funds into consumer accounts only. Website rates are generally updated each week. We may change the APY at any time without prior notice. A penalty will be imposed for early withdrawal of principal. Fees may reduce earnings. APY assumes interest earned is kept in the CD for the full term. 


Online Personal Savings Interest Rates
Balance** MYSB Direct Online Money Market
Interest Rate *Annual Percentage Yield (APY)
$0 up to $500,000 1.99% 2.01%
$500,000.01 up to $1,000,000 1.74% 1.75%

*The APY assumes monthly compounding of interest at the rate indicated for a full year.
** Interest rate applied to entire deposit based on balance met.

The Annual Percentage Yield (“APY”) for the MYSB Direct Online Money Market account is tiered and varies by balance. The following APYs 
disclosed are accurate as of April 23, 2019: The APY on balances up to and including $500,000.00 is 2.01%; and the APY on balances in excess 
of $500,000.00 is 1.75%. M.Y. Safra Bank, FSB may change the APY at any time without prior notice. To obtain the advertised APY, you must 
be a US natural person and reside in New York State, open your account online; deposit new funds; maintain a minimum balance of $5,000.00;
enroll in online banking; and agree to exclusively receive periodic statements in electronic format. Minimum opening deposit is $5,000.00. Fees 
may reduce earnings. The MYSB Direct Online Money Market account is limited to one per household. M.Y. Safra Bank, FSB reserves the right 
to require not less than 7 days' notice in writing before each withdrawal from a MYSB DIrect Money Market account. Please contact 
M.Y. Safra Bank, FSB for complete account terms and conditions and disclosures and any fees associated with the accounts listed above.

 © Copyright 2017 M.Y. Safra Bank, FSB. All rights reserved. Member FDIC. Principal and interest insured by the FDIC to the full extent of the law. M.Y. Safra Bank, 499 Park Avenue New York, NY 10022. 1-855-MYSAFRA.