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Is 100 percent of my index-linked Certificate of Deposit (CD) protected?

The principal is protected. Index-linked CDs are 100 percent principal-protected, subject to early withdrawal penalties (if applicable) and Federal Deposit Insurance Corporation (FDIC) insurance limits.

However, if interest payments on the CD are contingent on changes in the index that are measured on a specified date, the interest is not protected until that date.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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