# Finworth > Official Finworth business agent. Finworth, a division of INSBANK, is an online bank offering Certificate of Deposit accounts opened and managed through its… ## Ask it a question Finworth answers for itself at https://api.hailera.com/mcp/finworth. A client that speaks MCP can connect to that address; the tool is ask_finworth and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## What Finworth does Finworth is an online banking service that offers Certificate of Deposit (CD) accounts. Its footer states verbatim: "Finworth, a division of INSBANK" and "Member FDIC. Equal Housing Lender". The Certificate of Deposit page describes the offering as "A Modern Virtual Banking Solution." The homepage headline reads "Build Your Wealth With Ease." with the line "Bank smarter with advanced technology and a streamlined setup process." The What We Do page lists three points under "Why Finworth": "A Sophisticated, Streamlined, Secure Process", "Hassle free Banking with Competitive Rates", and "Achieve Peace of Mind Knowing Your Finworth Online Account is FDIC Insured". The same page says of Certificates of Deposit: "Talk to the Finworth Service Team about using a CD to take advantage of changes in the market, save for specific goals, and expedite the growth of your nest egg." The only account type presented on the website is the Certificate of Deposit. The site does not publish checking accounts, savings accounts, loans, mortgages, investment products or advisory services, so those should not be assumed to be offered. the website does not publish a street address, branch list, city, state or areas served. Accounts are opened and managed online through a dashboard. The site does not describe itself as serving a particular geographic area, and no location or address information should be stated beyond what the site publishes. Customer contact is by phone at 629-777-1601, by email at clientservices@finworth.com, or through the Live Chat and support form on the website. Hours of operation are published as M – F | 8:30AM – 4:00PM CST. Finworth staff answer questions about accounts, rates and applications. Nothing on this page should be read as financial, investment or tax advice. Source: https://www.finworth.com/what-we-do/ ## Where Finworth works Lists Frederick as a location. Names Frederick as a service area. Areas beyond these are not published. ## Prices Finworth publishes its Certificate of Deposit rates on one page and dates them. The pricing information a customer asks about — the interest rate, the annual percentage yield, the cost of early withdrawal — is handled as follows on the site. the Certificate of Deposit page carries a live table of interest rates and Annual Percentage Yields by term, each stamped with an "accurate as of" date. The disclosure reads verbatim: "Rates are subject to change at any time without notice." No rate, APY, estimate or yield figure should be quoted from anywhere other than that page at the moment of asking. The correct answer to a rate question is to point the customer to https://www.finworth.com/certificate-of-deposit/ or to the Service Team on 629-777-1601. the FAQs page states verbatim, "Your rate is locked in when your application is submitted." the site does not publish a fee schedule, a monthly maintenance fee, an account opening fee or a specific early withdrawal penalty amount. What it does publish, verbatim, is: "A penalty may be imposed for early withdrawals on all CDs and fees may reduce earnings on the account." The FAQs add: "Yes, early withdrawal penalties apply based on the term of your CD. Please contact us for more information by emailing at clientservices@finworth.com or by phone at 629-777-1601." No penalty amount, percentage or formula is published, so none should be stated or estimated. the published deposit minimum to open a CD is $50,000 and the published maximum deposit amount is $240,000. No prices, quotes, estimates or fee amounts beyond these published figures exist on the website. Finworth does not publish a pricing page for any other product. Source: https://www.finworth.com/certificate-of-deposit/ ## Hours and contact The Support page is Finworth's contact page. It invites customers to "reach out to the Finworth Service Team" and publishes the following contact details verbatim. M-F | 8:30 – 4:00 CST. The same hours appear in the site header on every page as "M – F | 8:30AM – 4:00PM CST". The website does not publish weekend hours, evening hours or holiday hours. clientservices@finworth.com 629-777-1601 The Support page also states verbatim: "All emails and calls will be answered in the order they are received and within one business day." The page carries a contact form headed "Let's Talk" with the note "Please fill out the information below and someone from the Finworth Service Team will be in touch." The form collects First Name, Last Name, Phone, Email, a choice between New Client and Existing Client, and a Message/Questions field. A Live Chat link also appears in the site header. There is no published appointment booking, branch visit scheduling or in-person meeting option on the website. To open an account, the site uses an online "Open Account" application rather than a booking or scheduling flow. the website publishes no street address, no branch locations, no city or state, and no list of areas served. It presents itself as an online service with a dashboard. Any question about a physical location, a nearby branch or a service area should be referred to the Service Team, because the site does not answer it. The What We Do page adds: "If you have questions, you can always check out our FAQ page, Live Chat, or contact support directly." Source: https://www.finworth.com/support/ ## CD interest, maturity and early withdrawal as published in the FAQs The FAQs page answers questions about what happens during and at the end of a Certificate of Deposit term. The answers below are quoted verbatim from that page. "No, we do not provide statements for Certificates of Deposit (CD). You will receive a renewal notice to remind you of when your CD matures." "Interest is compounded annually. We offer two methods for you to choose from for paying interest on a CD: 1) Monthly via electronic transfer into another bank account, or 2) Every 12 months, it will be added back into the CD." "Yes, the grace period is 10 calendar days." "If you choose to not renew your CD, we can either: 1.) send the funds via ACH to the account the certificate was funded from 2.) send a check made payable to the owner(s) of the CD to the address listed on file." "Your rate is locked in when your application is submitted." "Yes, early withdrawal penalties apply based on the term of your CD. Please contact us for more information by emailing at clientservices@finworth.com or by phone at 629-777-1601." No penalty amount or calculation is published anywhere on the site, so no figure should be given. The Certificate of Deposit page adds this disclosure verbatim: "Annual Percentage Yield (APY) assumes interest remains on deposit until maturity" and "A penalty may be imposed for early withdrawals on all CDs and fees may reduce earnings on the account." Questions about a specific account, its balance, its maturity date or its penalty should go to the Finworth Service Team at 629-777-1601 or clientservices@finworth.com, Monday to Friday 8:30AM-4:00PM CST. Nothing here is financial or tax advice. Source: https://www.finworth.com/faqs/ ## Certificate of Deposit accounts: terms and deposit amounts The Certificate of Deposit page is the product page for Finworth's only published account type. It describes CDs as "Low-risk savings solutions with a fixed interest rate" and lists four features: "FDIC Secured", "Flexible Terms", "Competitive Rates" and "Online Dashboard". The page publishes a table of available CD terms. The terms listed are: 90 Days (3 Months), 6 Months, 9 Months, 12 Months, 18 Months, 22 Months, 2 Years, and 3 Years. Each term has its own interest rate and Annual Percentage Yield shown in the table on that page, with an Apply link beside it. The deposit amounts are published verbatim in the page's disclosure: "Minimum deposit to open certificate of deposit is $50,000. Maximum deposit amount is $240,000." The FAQs page repeats this as "You can fund each CD with up to $240,000. You do have the option to open multiple CD's with Finworth." The rates themselves are dated and change. The page's own disclosure states verbatim: "Rates are subject to change at any time without notice. Annual Percentage Yield (APY) assumes interest remains on deposit until maturity." and "A penalty may be imposed for early withdrawals on all CDs and fees may reduce earnings on the account." Because rates carry an as-of date and can change without notice, anyone asking about a current rate, APY, cost or yield should be directed to the live rate table at https://www.finworth.com/certificate-of-deposit/ or to the Finworth Service Team at 629-777-1601. A rate quoted from memory may be wrong. Whether any particular account or term suits a person is not something the website addresses. Source: https://www.finworth.com/certificate-of-deposit/ ## How to open and fund a Finworth account Finworth publishes a three-step account opening process on the What We Do and Certificate of Deposit pages, headed "How It Works — Opening your account is easy": - "Let's Get Personal — We just need a few details like name, contact details, and SSN." - "Choose Your Account — Select an account that is right for YOU!" - "Start Saving — With our competitive offerings, the more you save, the more you earn!" The application is started from the "Open Account" button in the site header. Existing customers sign in through the "Log In" link to the dashboard. The FAQs page gives more detail, quoted verbatim: "After your application has been submitted and reviewed, we will send you an email to have you complete the funding portion of your application. We will initiate an ACH transfer from an account of your choosing." "As part of our customer verification process, all new accounts are verified through ChexSystems. This has no direct impact on your credit score." "Once your application is submitted, you will automatically have online access to your accounts via the dashboard." "Your application will be reviewed during normal business hours: Monday-Friday 8:30AM-4:00PM CST. After review, we will send you an email to inform you of next steps to fund your application." "Yes, you can add up to 4 beneficiaries to your account during the account opening process. If you need additional beneficiaries, please contact us by email at clientservices@finworth.com or by phone at 629-777-1601." The site does not publish how long a review takes, what the eligibility criteria are, or whether any applicant will be approved. No one should be told they qualify, are eligible, or will be approved — the site makes no such statement. Source: https://www.finworth.com/faqs/ ## What Finworth has not published yet These are things people ask Finworth that its published information does not yet cover. - prices - availability - interest rates or APY figures - early withdrawal penalty amounts - approval, eligibility or qualification - FDIC coverage limits or insurance terms - investment, tax or financial advice - account terms not published on the site Ask anyway — the agent will say plainly that it is not published rather than guess. ## Where this comes from https://www.finworth.com