Business CDs

CD options to reach your business goals

Save and earn more

Our business certificates of deposit, or CDs, are a smart way to save funds for a pre-determined amount of time—boosting your interest along the way. The longer you invest, the bigger your interest rate.

No monthly fees

No monthly fees on business CD accounts.

Meet your terms

Choose from a wide range of available terms.

Earn interest

Earn competitive fixed interest rates.

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Business CD Rates

Earn more

Choose a small business certificate of deposit term that meets your needs and earn a guaranteed fixed interest rate on your business savings.

Term

Interest Rate

APYD

Minimum Opening Deposit

12 month CD

0.10%

0.10%

$500

24 Month CD

0.20%

0.20%

$500

36 Month CD

0.25%

0.25%

$500
Benefits

Convenience without costs

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Learn more about business digital banking
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.
Learn more about business rewards cards
Business Loans

Grow your business and community

As a preferred lender, we partner with the US Small Business Administration (SBA) to provide greater financing options for your business.
Learn more about small business loans

Account openings are subject to bank approval.

For complete list of account details and fees, see our Disclosure of Products and Fees—Business Accounts and Services.

APY (Annual Percentage Yield) is accurate as of ${date-today}. The minimum balance required to obtain the APY is $500. Penalty may be imposed for early withdrawal. No brokered CDs accepted. Limited time offer that may be withdrawn or changed at any time without notice. Other restrictions and fees may apply. Fees could reduce the earnings on the account.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.