Business CDs

Explore business CD options that can help you grow

Save and earn more with a small business CD account

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

No monthly fees

Enjoy no monthly fees on any small business CD account.

Meet your terms

Choose from a wide range of available business CD terms.

Earn interest

Get competitive fixed interest rates on business CDs.

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Benefits of Small Business CDs
Convenience without costs

FDIC insured

Your business CD account is FDIC insured up to applicable limits.

Online and mobile access

Access Digital Banking for business from anywhere.

Low minimum deposit

Get started with a 12-month, 24-month or 36-month business CD with as little as $500.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with 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 & transfer money with ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

Small Business CD Account FAQ
People often ask us

A small business certificate of deposit, or CD, is a way to save money for your business for a specific period of time while earning interest at a steady rate. CDs typically feature guaranteed fixed interest rates, a minimum opening deposit of $500, flexible terms and no monthly maintenance fees.

The main benefits are that business CD rates are competitive, there are no monthly fees and a wide range of terms are available. Plus, they're considered FDIC-insured business investments, offer online and mobile access and have low minimum deposits.

Yes. We offer business CDs with flexible terms and guaranteed fixed interest rates. Get started with a 12-month, 24-month or 36-month business CD with as little as $500. For current business CD rates, contact your First Citizens banker or visit your local branch.

Account openings and credit are subject to bank approval.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

The interest rate and annual percentage yield for a certificate of deposit account, or CD, are determined by the type of CD selected and the opening deposit or renewal balance. The annual percentage yield assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawal of principal. Any withdrawal of principal or interest prior to maturity will reduce earnings on a CD. The required minimum opening deposit is $500 and depends on the type of CD selected. Contact your local branch for more details.

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

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