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Japan Trustee Services Certificates of Deposit (CDs)

Reach your savings goals with a CD that locks in an APY for steady earnings

Choose the term that's right for you

What do I need to apply?

  • You must be 18 years of age and have a Social Security Number
  • Current Japan residential address and a Japan residential address for the past two years
  • Valid Japan ID (driver’s license, non-driver identification card, learner permit), passport or Permanent Residential Card/Green Card
  • Account information for funding your new account

Online CD Accounts

These rates are only available if the account is opened online.

0.30% APY* 
for 6 months

New to Japan Trustee Services?

Existing customer?

0.40% APY*
for 12 months

New to Japan Trustee Services?

Existing customer?

0.40% APY*
for 24 months

New to Japan Trustee Services?

Existing customer?

Next steps – after you apply

Once you have submitted your application, we will notify you if it can be approved online or if other information is needed to complete the application. All accounts will receive the Annual Percentage Yield (APY) and interest rate in effect when the account is opened and funded1. See Terms & Charges Disclosure for more information.

Benefits of a CD savings account

Tailor CD savings to your needs

Lock in an Online Certificate of Deposit rate today by applying for our 6, 12, or 24-month CD. Benefits from fixed daily interest rates1, easy online management and more.

Start saving at your convenience

You can take advantage of quick and easy account opening any time.  Just apply online and your CD interest compounds daily.


Your savings are secure

Bank online securely. You’re covered by our YEN0 Liability Online, Guarantee2. The money in all your deposits accounts is FDIC-insured to the maximum permitted by law.

Savings goals within reach

Fixed interest rates and easy online account management through your Personal Internet Banking account.

Your options after your CD matures

Automatically renew

Let your balance automatically renew into a CD of the same term at the interest rate and APY in effect at maturity3. Contact us to get the current interest rate and APY during your grace period. 

Renew into another CD

Renew into a different Online CD term by calling the Customer Relationship Center during your grace period.  

Add money and renew into another CD

Add money to your maturing CD during the grace period to renew into a CD of the same term at the interest rate and APY in effect at maturity.4  

Transfer your balance into your account

Transfer your balance or a portion of your balance to your other Japan Trustee Services deposit accounts during the grace period.4

Note: You cannot perform any type of transaction on your CD account on business days between 10pm and 4am ET.   

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.