The role of FDIC Brokerage CDs in your plan

Brokered CDs generally offer more flexibility such as being able to sell them. Also, you can have CDs from different banks in one account to protect amounts that go beyond one bank’s FDIC limit.

Are FDIC Brokerage CDs for you?

Since a brokerage firm offers CDs from many banks, it’s easy to compare and select rates from a wider variety of CDs than one bank provides. You’ll also get longer terms than what bank CDs offer, so you can lock in a rate before it drops.


Brokered CDs can have terms of up to 20 or 30 years, depending on the brokerage, while bank CD terms generally go up to five years.

Why United Wealth Management

We’re focused on serving you—not selling a commodity. So when you partner with us, you get solutions to meet your goals.
Certificates of Deposit are FDIC insured and offer a fixed rate of return if held to maturity. Brokered CDs sold prior to maturity in the secondary market may result in loss of principal due to fluctuations in the interest rate or lack of liquidity. Brokered CDs are registered with the Depository Trust Corp. (“DTC”). Brokered CDs with step-down and/or call provisions may be less favorable than traditional CDs without these features.

Real Solutions for Real Life

A woman works at her computer in a cafe.

Preparing for initial meeting

Gather financial statements and start a list of your current and future financial goals.
Photo of Scott Kubiak

Our advisors

As your wealth management partner, we’re united in our mission to help you pursue your financial goals.

Man learning and taking notes

Education and tools

A few simple resources, like market information and calculators, can make managing your money so much easier.