HSBC Direct has top C.D. rates for 18 month CD’s at 2.75% APY. They call this a special interest rate but really no rate is guaranteed until you open the certificate of deposit. HSBCdirect can change their CD rates on a daily basis if they choose to do so.

The minimum opening deposit for a C.D. account at HSBC Direct Bank is only $10. Online checking accounts and savings accounts can be accessed through a network of ATMs. These rates apply to online accounts only and do not apply at local HSBC banks.

24 hour customer service for HSBC Direct: 1-800-975-4722

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Highest CD Rates