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.

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Business CDs Terms

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 earn a fixed interest rate on your money. We offer a variety of terms to fit your business needs.

Minimum balance to open:

$25,000

Monthly maintenance fee:

$0

Term APY (Annual Percentage Yield) Minimum Deposit
3 month 3.75% $25,000
6 month 0.03% $25,000
12 month 0.03% $25,000
15 month 0.03% $25,000
18 month 0.03% $25,000

Business CD Features and Benefits

Reliable Returns

With a fixed-interest-rate CD, your returns are safe, consistent, and guaranteed.

Flexible Terms

Choose the term that works for your business goals, from 3 to 18 months.

Safety and Security

Safe and secure online and mobile banking guaranteed. FDIC insurance up to the maximum limit allowed.

Business CD Frequently Asked Questions

Download detailed account documents

Review what is needed to open an account

Opening a Business account checklist

Ready to take the next step?

Get in touch with our team. All fields are required unless marked as "Optional".

Please note: Citizens Business Banking Products and Services are offered in the following states: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, D.C.

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Rates accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change before or after account opening. Rates apply to new accounts and may not apply to existing accounts.

Maximum deposit of $1,000,000 per customer.

CD rates listed require a Business Advisor Checking, Clearly Better Business Checking, Citizens Analysis Business Checking, or Commercial Checking account.