Guaranteed growth over the full term Lock into a great rate Open with as low as $500 Terms range from three months to five years Penalties may apply for early withdrawal With an Investors Bank CD, your money grows at a fixed rate over a specific term – the longer your term, the more it earns. That's exciting for your finances because you have a guarantee to earn a specific amount of money at the end of the term. You can use the money for a specific purchase, event or activity, or reinvest it in more CDs to continue the solid growth.