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Earn 4.00% APY* on an 8 Month Business Certificate
Business Certificates of Deposit (CDs)
A Business Certificate of Deposit (CD) is a secure savings solution that allows your business to earn a guaranteed fixed rate of return over a term that fits your goals. This makes CDs ideal for businesses looking to preserve capital while earning predictable interest. Choose from a variety of term options below.
Business Certificate Rates
Earn more on deposits of $75,000 or more.
Benefits
INTEREST RATES
FEES1
TERMS
BANKING TOOLS
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Open NowFrequently Asked Questions
A business CD is a savings product that earns a fixed interest rate over a set period of time.
Yes, CDs are ideal for businesses that want low-risk, guaranteed returns on funds they don’t need immediate access to.
Businesses deposit funds for a fixed term and earn interest, typically at higher rates than standard savings accounts.
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All standard account requirements apply. Information accurate as of and subject to change without notice. Fees may reduce earnings.
Federally insured by NCUA.
Applies to all certificates: Minimum deposit to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. You may not make any deposits to this Account after it is established. Your Account will automatically renew at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits to Your Account. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater. We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.
* 8-Month Certificate Offer: Maximum deposit is $1 Million per member. This offer is available for New Money deposits only. New Money is defined as funds not already on deposit at Citadel. Your account will automatically renew at maturity into a 12-month certificate at APY at that time. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. Offer not available for public funds.
Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Offers may be modified or withdrawn at any time. Fees may reduce earnings.