Financial Institution CD Term APY Minimum Opening Deposit EverBank 1 year $1,000 Synchrony Bank 1 year $0 Bask Bank 1 year $1,000 E*TRADE 1 year $0 EverBank CD Rates FAQ Here are the answers to some of the most frequently asked questions about EverBank CD rates and features. You do not need to have an existing EverBank account to open a CD, though you must go through the usual online account opening process to start your CD term.