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Business Certificates of Deposit (CDs)

There aren’t a lot of guarantees in business — but this is one of them. Invest your savings in a CD with fixed-rate returns you can rely on.

Key Features

  • Fixed Rates
  • Competitive Interest
  • No Setup or Maintenance Fees
  • Wide Range of Terms


Account Type

Minimum to Open


Annual Percentage Yield

18 Month - Compounded Quarterly




Four Year - Compounded Quarterly




Five Year - Compounded Quarterly




59 Month Special - Compounded Quarterly2





  • Meet business savings goals with guaranteed, fixed-rate earnings
  • Higher interest rates than other savings products1
  • More safe than other, riskier investments
  • Variable terms (from 91 days to 5 years)
  • Flexible payout options
    • Add to the balance of your current certificate, transfer to another CIB account, or mailed to you via check
  • No setup or maintenance fees
  • Early withdrawals subject to penalty1
  • Funds are FDIC insured
  • Minimum deposit as low as $500

1Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank's discretion. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

2Not available online, contact branch to open.

Please Note:

  • Some CD's may not be eligible for brokerage deposits, institutional investors or public funds.
  • A penalty may be assessed for early withdrawal.
  • The interest rate and annual percentage yield may change after the account is opened, but not until the CD renews upon maturity.
  • Minimum deposit and method of compounding may vary on the certificates.
  • Fees could reduce the earnings on the account.
  • Certificates automatically renew upon maturity.