存款证或 CD 是固定收益投资，通常在固定时间段内支付固定利率。
搜索 CD 搜索二级 CD了解有关新发行 CD 与次要 CD 的更多信息
考虑 CD 的原因FDIC 保险本金保障可预测的兴趣购买 CD 的其他方式分数 CD 起价 100 美元
富达移动应用程序Opens in a new window

什么是代理 CD？优点风险Fidelity 为投资者提供经纪 CD，这是银行为经纪公司的客户发行的 CD。 CD 通常以大面额发行，经纪公司将它们分成小面额转售给客户。 由于存款是开证行而非经纪公司的义务，因此适用 FDIC 保险。
经纪 CD 与银行 CD经纪 CD 在许多方面类似于银行 CD。 两者都支付通常高于普通储蓄账户的固定利率。 两者都是发行银行的债务义务，如果持有至到期，它们都会连本带利地偿还您的本金。 更重要的是，两者都由 FDIC 承保，最高可达 250,000 美元（每个账户所有者，每个发行人），这一保险限额在 2010 年成为永久性的。
经纪 CD 也可以从不同的发行银行购买，使您能够有效地将 FDIC 保护扩展到单个账户注册类型（例如个人账户或 IRA）的 250,000 美元限额之外。1 与银行 CD 不同，新发行的 CD 可以是 在二级市场上交易，2 这意味着它不一定要持有至到期。 3
经纪 CD 支付单利，您从 CD 投资中赚取的任何利息都会存入您的现金核心账户。 对于新发行的 CD，利率将显示与年收益率或 APY 相同的百分比，因为新发行的 CD 是按面值提供的。 详细了解赚取利息以及新发行 CD 的 APY 是什么
当通过 Fidelity 购买新发行的经纪 CD 时，您还可以利用我们的自动滚动计划，该计划可以通过将 CD 的到期本金再投资或在阶梯策略中投资多张不同期限的 CD 来帮助您维持收入流。
Fidelity 的新发行与二级 CD富达通过两个主要渠道提供经纪 CD——作为新发行产品和来自二级市场。 投资者通常会在任何时间点看到 50-100 次新发行和多达 2,000 次二次发行。
新发行的 CD 以平价出售，大多数 CD 为 1,000 美元，投资者无需支付交易费即可购买它们。4 Fidelity 提供的一些新发行 CD 是分数 CD，可以以 100 美元的最低价格和增量购买。 购买（和销售）二级 CD 需要支付每张 CD 1 美元的交易费（1 张 CD = 1,000 美元面值）。 5
二级 CD 的定价可能等于、高于或低于票面价值。 因此，您的整体回报可能高于或低于 CD 的票面利率。 此外，FDIC 保险涵盖面值加上 CD 的任何应计和未付利息。 因此，为二级市场 CD 支付的任何高于面值的价格都不会被 FDIC 保险承保。 1
Certificates of Deposit (CDs)
Certificates of deposit, or CDs, are fixed income investments that generally pay a set rate of interest over a fixed time period.


Search CDs
 
Search secondary CDs
Learn more about new issue CDs vs secondary CDs
Reasons to consider CDs
FDIC insurancePrincipal protectionPredictable interest
Other ways to buy CDs
Fractional CDs starting at $100
Fidelity mobile appOpens in a new window
[iframe]"[/iframe]
What's a Brokered CD?
Advantages
Risks
Fidelity offers investors brokered CDs, which are CDs issued by banks for the customers of brokerage firms. The CDs are usually issued in large denominations and the brokerage firm divides them into smaller denominations for resale to its customers. Because the deposits are obligations of the issuing bank, and not the brokerage firm, FDIC insurance applies.

Brokered CD vs. bank CD
A brokered CD is similar to a bank CD in many ways. Both pay a set interest rate that is generally higher than a regular savings account. Both are debt obligations of an issuing bank and both repay your principal with interest if they’re held to maturity . More important, both are FDIC-insured up to $250,000 (per account owner, per issuer), a coverage limit that was made permanent in 2010.

Brokered CDs can also be purchased from different issuing banks allowing you to effectively expand your FDIC protection beyond the $250,000 limit in a single account registration type, such as an Individual account or an IRA.1 Unlike a bank CD, a new issue CD can be traded on the secondary market,2 meaning it doesn’t necessarily have to be held to maturity.3

Brokered CDs pay simple interest and any interest earned from your CD investment is deposited into your cash core account. The interest rate will display the same percentage as the Annual Percentage Yield, or APY, for new issue CDs, as new issue CDs are offered at par value. Learn more about earning interest and what APY is for new issue CDs

When purchasing a new issued brokered CD through Fidelity, you may also take advantage of our Auto Roll Program, which can help you maintain your income stream by reinvesting the CD’s maturing principal, or investing in multiple CDs of varying maturities in a laddering strategy.

New Issue vs Secondary CDs from Fidelity
Fidelity offers brokered CDs through two main venues—as new issue offerings and from the secondary market. Investors typically will see 50–100 new issue offerings and as many as 2,000 secondary offerings at any point in time.

New issue offerings are sold at par, which is $1,000 for most CDs and investors do not pay a trading fee to purchase them.4 Some of the new issue CDs that Fidelity offers are Fractional CDs that can be purchased in minimums and increments of $100. Purchases (and sales) of secondary CDs incur a trading fee of $1 per CD (1 CD = $1,000 par value).5

Secondary CDs may be priced at, above, or below par value. As a result of this, your overall return may be higher or lower than the coupon rate of the CD. In addition, FDIC insurance covers par value plus any accrued and unpaid interest for the CD. Therefore, any price above par that is paid for a secondary market CD would not be covered by FDIC insurance.1