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Business Certificates of Deposit (CDs)

Fixed-rate returns give you growth you can rely on.

Have a future goal, such as relocating your office or upgrading equipment? A CD can be a great way to help you save for those goals.

Compare business CD rates and terms below.

Questions?Ask a Citizen.

Business CDs 3-9 months

Business CDs 3–9 months

If you have excess cash you don’t need to access for three months or more, you can earn safe, guaranteed returns when you open a business CD. Our business CDs have no monthly maintenance fee and and earn a fixed interest rate on your money. And with a shorter term, you get consistent returns without setting aside your funds for too long. $1,000* minimum balance to open.

Business CDs 3-month term 6-month term9-month term
Interest rate 0.10% 0.10% 0.10%

Business CDs 12–18 months

Business CDs 12-18months

If you have excess funds you can afford not to access for at least a year, our fixed-rate CDs earn secure, guaranteed returns on deposits as low as $1,000*. And with a longer-term CD, your fixed rate is even better, making your returns more significant. Our business CDs have no monthly maintenance fee, making this an appealing choice for businesses that want to consistently and reliably grow their savings over the span of 12 to 18 months.

Business CDs 12-month term 15-month term18-month term
Interest rate 0.40% 0.15% 0.15%

Get Started
Call a Small Business Specialist:


Apply in person: Find a Branch

Business CD Features and Benefits

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Business Money Market

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Minimum deposit to open

Any Amount

Monthly maintenance fee


Waived with $2,500 minimum daily balance

Act now

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