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PurePoint has flexible CD terms, a market-leading APY and a rate promise which helps you secure the best rate in the 10 days after submitting your application. But to open a CD, you’ll need $10,000 — which is much higher than most banks.
PurePoint has two types of CDs with varying terms:
With these CDs, you’re allowed to withdraw your total balance without penalty seven days after funding your account.
Opening a CD with PurePoint comes with these perks:
While PurePoint offers flexible terms and a rate guarantee, its CDs have these potential drawbacks:
The quickest way to open a CD is online. These are the steps:
Otherwise you can call 855-488-7873 on weekdays from 8 a.m. to 9 p.m. ET, or visit a branch.
To apply for a CD, you must be:
Have this info handy for your application:
You can fund your CD in the following ways:
When your CD matures, PurePoint will automatically renew it for the same term at the current rate. There’s a 10-day grace period to make any changes, though. If you don’t want to renew your CD, you can cash it out or roll it over to another CD with a different term during that time.
If you choose to withdraw all or a portion of your funds, you can do so without penalty by calling 855-488-7873 or sending an email via your online account.
The bank keeps it simple with a single savings account. The PurePoint Financial Online Savings Account stands out for its high 2% APY — and like the CDs, it has a $10,000 opening deposit. If your balance dips below $10,000, you’ll earn an interest rate of 0.25%.
If you rely on apps for your banking or can’t meet these requirements, compare other CDs.
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