Feature Details Interest rates Fixed interest rates for guaranteed earnings Terms Terms range from one month to five years FDIC insurance Beal Bank is FDIC insured for added security APYs APYs range from to Minimum deposit The minimum deposit is $1,000 Early withdrawal penalty -Terms of one year or less: The greater of 1% of the amount withdrawn of half the interest that would’ve been earned on that amount Bank Term APY Minimum Deposit Beal Bank 12 months $1,000 Marcus at Goldman Sachs 12 months $500 Chase 12 months $1,000 Ally Bank 12 months $0 Beal Bank CD Rates FAQ Here are answers to common questions about Beal Bank CD rates and features .