High-Yield Certificates of Deposit

You earn for your future. We save for a brighter future. 

Earn Up to 5.65% APY*

Why Choose Us

Easy Sign Up
Supports a More Sustainable Future
Competitive High Yield Rates
Earns Interest

Start Earning Today

Earn for your future, while supporting a greener, more sustainable one. 

  • Minimum to open is $1,000
  • Supports financing for sustainable businesses & clean energy projects
  • FDIC-insured up to the established limits

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Frequently Asked Questions

What do I need to open an account?

To open an account, you will need:

  • A valid form of ID (Driver’s license, state ID, passport)
  • Your social security number
  • Current residential address
  • Your email address
  • Your routing number & account number of funding source account OR
  • Your online login credentials of the funding source account AND
  • Must be at least 18 years of age

What is the minimum balance requirement to open an online CD account?

The minimum balance requirement to open an online CD account is $1,000.

How do I fund my CD account?

During account opening, you will be required to fund your account through 1 of 2 methods. Some banks can be accessed through Plaid, a data transfer network, by inputting your online banking login credentials. The other option is to provide the routing number & account number of the funding source account. This transfer will take place upon account approval. Please ensure sufficient funds are available in the funding account prior to submitting your application. There is no fee to transfer funds.

How long does it take to open my account?

Your completed application will be reviewed in 1 to 2 business days. We’ll send you an email to the email address you provide letting you know the status or if additional information is needed.

What is the penalty for early withdrawal?

If your account has an original maturity of less than 24 months, a penalty equal to three (3) months interest will be charged to your account.

If your account has an original maturity of 24 months or more, a penalty equal to six (6) months interest will be charged to your account.

Note: You can withdraw interest any time during the term after it is credited to your account without penalty. The APY on all certificates assumes that principal and interest will remain on deposit until maturity.

Calculate Your Impact

See how your deposit can make a difference in carbon emissions

Your deposit of:



Customize amount

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Can translate to:


metric tons of carbon

equivalent emissions estimated to be avoided in the atmosphere annually.

Calculated based on Forbright’s estimated 99 annual metric tons of CO2 equivalents avoided per $1MM in financing. This estimate is based on inception-to-date renewable energy & energy efficiency projects financed by Forbright as of 12/31/22.

That’s like avoiding:


gallons of gasoline

Equivalent CO2 emissions from gallons of gasoline consumed calculated based the U.S. Environmental Protection Agency (“US EPA”) Greenhouse Gas Equivalencies Calculator.

At Forbright, we specifically calculate the estimated annual carbon emissions avoided by the renewable energy & energy efficiency projects we finance. Here are some of the types of energy efficiency projects we support across commercial and residential buildings:

  • Renewable Energy

    Renewable Energy
    Commercial Property-Assessed Clean Energy can finance solar PV, solar thermal, wind turbines, gray water recycling, EV charging stations and battery storage systems.

  • Lighting and Electricity

    Lighting and Electricity
    High-efficiency (LED) lighting and control systems, SMART project pathway lighting, wireless lighting controls

  • Water Efficiency

    Water Efficiency
    Indoor and outdoor water efficiency, including high-efficiency sprinkler systems, irrigation systems, low-flow fixtures, on-demand hot water appliances

  • HVAC

    High-efficiency boilers/chillers, mini-split cooling systems, tankless water heaters

  • Building Envelope

    Building Envelope
    Roof installation, building automation and zoning control systems, air sealing and weather stripping, window film and door replacement

  • Resiliency

    Rain catchment systems, storm water management, seismic upgrades and wind-resistance measures

Saving for Good. Saving for Change.

Our high-yield Certificates of Deposit accounts give you the opportunity to support a greener, more sustainable future, while investing in your own.

*Annual Percentage Yield (APY) is accurate as of September 5, 2023. Fees may reduce earnings. Limited time offer and subject to change at any time without notice. Minimum opening deposit of $1,000 is required to earn the APY. The APY on all certificates assumes that principal and interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. 

1FDIC insured up to the FDIC established limits. Visit FDIC.gov for more information.