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Earn 4.20% APY on a 6 Month or 12 Month Business Certificate1
Business Certificates
Right now, earn 4.20% APY on your choice of a 6 Month or 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.
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.
Better Rates of Return
Earn more and make your money work for you, including bonus rates on larger deposits.
Convenient Online Tools
View your balance and manage your money from the office or on-the-go with simple, helpful tools.
A Relationship-Based Approach
Establish a genuine partnership with one of our experienced Relationship Managers.
Additional Features
- No monthly fee2
- Earn interest at a fixed rate
- Online Banking with desktop Remote Deposit Capture available3
- Free Citadel Mobile App with Mobile Deposit
Business Certificate Rates
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.
Get StartedSecurity
Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured by the NCUA up to $250,000 or more per customer.
Find an ATM or Branch Near You
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 We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.
3 Enrollment requires a separate purchase of a scanner - see Business Banking representative for details.