HSBC Direct is offering a 4.00%APY Certificate of Deposit for a 6 month term, only available online.
HSBC have recently been increasing their efforts and ease at which you can transact online with them. 
Some details; APY is only good online and qualifying deposits must be new money. New Money means funds not previously held by any member of HSBC Group within the past consecutive six months. A penalty may be imposed for early withdrawal and is equal to 30 days of simple interest. Minimum balance to open and obtain APY is $1,000.
HSBC Direct is part of one of the largest banking groups in the world and is FDIC insured. More CD rates.
Other Terms and Conditions may apply. Additionally, rates may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.
When I click on your 4%/ 6 month cd offer for “on line only offer, I’m directed to a 1.01%/12 month online offer. What.s going on?
@ tony,
This cd rate is an old rate and the page which was once a 6 month cd rate changed to 12 month cd. The 4%/ 6 month cd was posted back in October and the bank has since changed the rates. The current 6 month cd rate from hsbc is actually now just .50%. If you’re looking for good cd rates deals you can try browsing at the local banks and credit unions in the rates table. Hope this helps you!