Discover Bankis an FDIC-insured direct bank that offers a variety of deposit and savings products for consumers with rates that consistently beat the national average on all of its products, including CDs and IRA CDs ranging from 3 months to 10 years, a tiered-rate Money Market account, and an Online Savings account. Discover is a leading credit card issuer and electronic payment services company with one of the most recognized brands in U.S. financial services. The company operates the Discover card, America's cash rewards pioneer.