Why put your money at risk? Avoid volatility and lock in a great rate!
Open an Orange Certificate of Deposit (CD) and your rate is guaranteed for the term of the CD.

ING DIRECT currently offers the following Orange CDs

Term APY Interest Rate Effective Date 1 Year  2 Year  3 Year  4 Year  5 Year

With No fees and No minimums, ALL your money works harder for you. There are no fees to open or maintain an Orange CD and no minimums. You get our highest available rate per term regardless of how much or how little you deposit. Interest earned on your Orange CD will be paid at maturity or you can choose to receive interest disbursements on a monthly or yearly basis (on the anniversary date of the account opening). Interest disbursements can be sent to either an Orange Savings Account or a linked account. As with any CD, should you decide to withdraw your deposit before the end of the term, certain penalties will apply. The early withdrawal penalty for the one year Orange CD is three (3) months of interest regardless of when, prior to maturity, you make a withdrawal. The early withdrawal penalty for Orange CDs with a term longer than one year is six (6) months of interest regardless of when, prior to maturity, you make a withdrawal. Depending on how early you redeem an Orange CD, the resulting penalty may be greater than the interest that has been earned on the deposit.

Start earning higher interest today.
It's easy to open and fund your Orange CD online or if you prefer you can print out and mail in your application. To apply online or download an application, simply click on the "Open an Account" button and follow the easy instructions. You can also call 1-800-ING-DIRECT to request an Orange Certificate of Deposit application be sent to you. Simply complete and return with your check and we will notify you by mail when your account is opened.

Safe and Secure - FDIC Insured
Your deposits at ING DIRECT are FDIC insured up to $100,000 per depositor. Keep in mind that individual and joint accounts are insured separately, so if you have both types of accounts with us, your total deposits can be insured up to $200,000; that's up to $100,000 in all of your individual accounts, and up to an additional $100,000 in all of your joint accounts. ING DIRECT's FDIC certificate number is 35489. You can learn more about the FDIC at their website, www.fdic.gov. We are registered with the FDIC under the name ING Bank, fsb.