Business Certificates of Deposit (CDs)

In business, predictability is worth a lot.

Tired of playing the markets? Play it safe with your business reserves by growing them at a locked-in rate.

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Business Certificates of Deposit

Certificates of deposits, better known as CDs, are low-risk investments that earn surefire returns at rates higher than savings accounts. 

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Set it, forget it, earn with it.

Here’s the long and short of CDs: 

  • Fixed rate1 of interest paid over a set term
  • Variety of term lengths 
  • Interest compounds monthly 
  • $500 minimum deposit 
  • Cannot access funds before term ends without a penalty 
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Featured Rate
Rates as low as
3.65
%
APY
See all CD ratesGet Started
Disclosures

Rates as of 9/10/2026 and subject to change after account opening. CD rate shown includes 0.25% MORE VIP Relationship Reward Bonus. Minimum balance to open a CD is $500. A penalty may be charged for earlier withdrawal of a fixed term certificate or IRA. Fees may reduce earnings.

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Fixed rates pay off

With a CD, your interest rate stays the same, from when you lock it in until it pays out. 

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From months to years

From 3 months to 5 years, choose a term that aligns with your business’s goals.

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Keep it rolling

When your term ends, you can roll funds into a new CD or move them to any other account. 

Business CDs FAQs

Business CDs are an easy, low-risk investment your business can utilize to grow your funds over a set length of time (or “term”). Put simply: choose a term, lock in that rate, don’t touch it until the term ends (or “matures”), and you’re guaranteed to earn interest at the promised rate. 

CDs are best when you have funds you don’t need right away. They’re designed to help you earn predictable returns over time, while savings accounts and checking accounts are better for keeping your funds accessible. 

This makes CDs ideal for planning long-term projects or earmarking money for the future. 

Early withdrawals may be subject to a penalty, so it’s important to choose a term that matches your expected timeline. 

At the end of your term, you can choose to reinvest your total funds and earnings into a new CD or transfer them to another account. 

Let’s get started.

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Disclosures

Fixed rate of interest paid over a set term.