One platform to compare, buy, and hold certificates of deposit across many banks — diversified, laddered, and reported in a single place.
Browse and buy CD rates directly — open to everyone. Or invest in our pooled, multi‑bank CD portfolio — a security, not a deposit — available to verified accredited investors.
Yield Support & Guarantee Agreement → Important disclosures →
It works like a mutual fund: the fund holds CDs at FDIC‑insured banks, and you own a share of the fund — a security, not a bank deposit.
Choose your term at subscription. The stated rate is fixed for the term you pick.
Rates are set under the Yield Support & Guarantee Agreement. $10,000 minimum · eligible investors. Important disclosures →
Illustrative national CD rates — subject to change and not an offer. Bank names and logos are the property of their respective owners, shown for identification purposes only; their inclusion does not imply any affiliation with, or endorsement of, Limen Markets.
A simple, open rate‑comparison service for everyone — and a professionally structured, multi‑bank CD portfolio for accredited investors.
Browse competitive certificate‑of‑deposit rates from banks across the country and buy directly. A straightforward listing and comparison service — no accreditation required.
Who it's for: anyone shopping for a better CD rate. Compare ratesA pooled portfolio that spreads capital across many banks for diversification — managed from one dashboard.
Who it's for: eligible investors, after a quick accreditation check. Subscribe on the Limen Markets dashboard. Verify eligibility →Diversified across institutions, laddered across terms, and reported as one — without opening a dozen accounts.
Skip opening accounts at 15 institutions. One subscription, one login, every bank.
Every dollar sits in certificates of deposit issued by established banks — not market‑traded assets.
Your capital isn't concentrated in one institution. The fund holds CDs across many FDIC‑member banks, so no single bank failure puts the whole portfolio at risk.
Sourced from the top of the national rate sheet rather than one local bank — shown net of fees.
Stagger 1, 2, 3, and 5‑year maturities in one place for predictable, rolling liquidity.
One statement and one tax document — instead of a pile of 1099s from a dozen banks.
A fixed‑term allocation backed by bank CDs — the counterpart to higher‑risk pre‑IPO investing in one portfolio.
We do the rate‑shopping and bank vetting, so you don't have to.
Compare CD rates and pick the approach that fits your goals.
For the pooled portfolio, confirm your accredited-investor status (Rule 506(c)).
Complete your investment on the secure Limen Markets dashboard.
Monitor maturities, yield, and statements from a single login.
Behind Secure Returns is a multi‑model AI system that monitors published deposit rates every day across thousands of FDIC‑insured banks and NCUA‑insured credit unions nationwide. It reads the national rate sheet so you don't have to — ranking the most competitive certificates of deposit as rates move.
As stronger rates appear, the fund places capital with the institutions offering them — and ladders maturities so yield keeps rolling rather than sitting idle. The engine compares and surfaces published rates; it doesn't create above‑market returns or reduce risk.
Many of the best rates sit behind a wall — banks and credit unions that only open accounts to residents of a certain state, members of the armed forces, alumni of a school, or holders of a specific brokerage account. Because the fund holds the accounts, your subscription gives you exposure to those institutions' rates without personally meeting each one's membership rules. The eligibility hurdles, the paperwork, the fifteen separate logins all disappear into a single dashboard.
Diversification across many banks lowers single‑bank risk. Your fund share is a security, not an insured deposit. Important disclosures →
Park capital in a CD-backed Secure Returns position — then, at any time, exchange your shares for Limen Markets pre-IPO equity (like OpenAI) at equal value: your principal plus accrued interest.
How the exchange works. “Any time” means you may elect an exchange at any time — an exchange of one security for another at equal value, subject to a pre-IPO series being available and your eligibility. It is not a cash redemption. Important disclosures →
Subscriptions are handled on the Limen Markets investor portal. Verify your eligibility and complete your investment there.