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Approved Tech InterGalactic Certificate of Deposit (CD)

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  • Intent: A sub for tiering up.
  • Image Source:
  • Canon Link:
  • Restricted Missions:
  • Primary Source:
  • Manufacturer: IGBC
  • Model: N/A
  • Affiliation: Open-Market
  • Modularity: No
  • Production: Mass-Produced
  • Material: Memristors, Biocomm, Internal Components, Software



  • CDs are a stable form of deposit that offers high returns at the cost of liquidity.
Weaknesses :
  • Users incur significant financial penalties when making early withdrawals from their CDs.

InterGalactic Certificates of Deposit (CD) are special time deposits offered through IGBC. Users make a set deposit, which is then held for a specified period at a fixed interest rate. At the end of this holding period, the depositor may withdraw their original deposit with the accrued interest, or renew the holding for another specified period. IGBC offers both short term and long term CDs - less and more than five years, respectively.

CDs are not unlike savings accounts, but the difference is that there is a penalty for early withdrawals from CDs, while withdrawals can be made from saving accounts at just about anytime without incurring such penalties. However, the low liquidity of CDs is offset by fixed interest rates that are much higher than the interest rates for savings accounts.

As with most basic IGBC financial products, CDs are managed electronically by automated systems governed by memristor-based neural networks housed in modified Meteor-class Frigates interconnected to each other and local holonet and subspace networks by a private biocomm network. Provided customers have a device with a stable holonet connection, they may use IGBC's mobile client for status checks and self-management.

IG CDs have become a popular alternative to treasury bonds issued by governments (major factions), given the volatile nature of these short-lived regimes, which may crumble well before the maturity date of their bonds.
<p>Hello, I'll be the factory judge reviewing your submission. If you have questions, please feel free to respond to this thread once we are underway.</p>
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