775 Old Country Road, Suite 201, Westbury, NY 11590
Phone (800) 634-5161 Fax (516) 997-0875
For Investors

More banks, better rates, one phone call.

Over 30 years leading the jumbo CD market means we see rate movement other investors don't — and put it to work for you.

Why go through a listing service at all?

Certificates of deposit have been our only business for more than 30 years, and our account executives have built a reputation for being competent, professional, and easy to work with. That focus is what lets us do the legwork investors don't have time for.

The math behind better rates

When you shop for CDs on your own, you spend real time calling bank after bank to find the handful showing genuinely competitive terms — and a single $250,000 deposit rarely gives you leverage to negotiate. A bank that needs to raise several million dollars has little reason to move its rate for one caller.

We represent hundreds of investors with a combined pool of capital large enough to meet a bank's funding need in a single placement. That scale is real negotiating leverage, and it's backed by relationships many of our partner banks have held with us for years — which is why some list special rates or terms with us that never reach the open market.

What "working with GEM" actually looks like

Hundreds of banks report their funding needs to us directly, so we typically have the strongest available rates on hand the moment you call — no cold-calling required on your end.

Minimum deposit

$100,000, with portfolios placed up to $100 million+

Coverage

FDIC-insured banks nationwide, short- and long-term maturities

Who calls you

A named account executive — the same person, every time

Talk to an account executive

See where rates stand today.

Sample yields are on the Market Yields page — call for the live sheet.

View Market Yields