Earn 5.05% APY1 on a 6 Month Business Certificate

Or, earn 4.90%* on a 12 Month Business Certificate and save more to support the future of your business.

Business Certificates

Right now, earn 5.05% APY*on a 6 Month Business Certificate or 4.90% APY* on a 12 Month Business Certificate!

To start building a solid, long-term foundation for your business, consider our Business Certificate. Also known as a Certificate of Deposit or CD, a Business Certificate from Citadel is flexible to your specific needs with a variety of terms and fixed rates of return. Now you can earn 5.05% APY* on a 6 Month Business Certificate or 4.90% APY* on a 12 Month Business Certificate.

Get started with a $500 minimum, or take advantage of an even better rate on large deposits of $75,000 or more.1 Once the Certificate matures, you can renew it or access your original investment along with the return it earned.

Additional Features

Business Certificate Rates

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Earn more on deposits of $75,000 or more.

APY = Annual Percentage Yield. Read Full Disclosures.

Build a better saving and spending plan for your business.

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Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.

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All standard account requirements apply. Information accurate as of and subject to change without notice. Fees may reduce earnings.

1 All rates expressed as Annual Percentage Yield (APY). Minimum balance to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more.

2 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 We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.

Enrollment requires a separate purchase of a scanner - see Business Banking representative for details.