U.S. BANK BUSINESS CERTIFICATES OF DEPOSIT

Grow your business with a fixed rate of return.

U.S. Bank business certificates of deposit (CDs) offer competitive rates with flexible term options, making them ideal for businesses looking for steady, low-risk savings growth over time.

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How a business CD can benefit your financial goals.

A U.S. Bank business CD is an excellent option to grow your savings with a competitive interest rate locked in for the term you choose.

Flexible term options

Select from various term options ranging from 14 days to 5 years.

Low opening deposit

Choose the deposit amount that works best for your budget.

Competitive interest rates

Maximize your financial growth with competitive rates of return no matter which CD account you choose.

FDIC  insured

Deposit products are FDIC insured to the maximum allowed by law.

Compare business CD options and rates.

The rates referenced below are effective on currentdate for ZIP code currentZipCode. (Edit ZIP code)

For existing U.S. Bank clients, contact a banker to review your personalized CD offers.

U.S. Bank CD Special and Jumbo accounts12

CD Special 3

CDs offer special rates to help build your savings.

  • $1,000 minimum opening deposit ($250,000 maximum)

Rates shown are available for eligible businesses opening a new U.S. Bank CD.6

Interest Rates
##.##
for 11 months
##.##
for 15 months

Jumbo CD4

Deposit more to earn more with our competitive interest rates that guarantee a fixed rate of return if held for the full term.5

  • $250,000.01 minimum opening deposit ($9,999,999.99 maximum)
Interest Rates
##.##
for 6 months
##.##
for 12 months
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U.S. Bank Standard, Step Up and Trade Up CD accounts12

Standard CD7

Choose the term and deposit amount that are right for your business needs.

  • $500 minimum opening deposit ($250,000 maximum)
Interest Rates
##.##
for 9 months
##.##
for 12 months

Step Up CD3

Step up your savings with a rising rate CD that automatically increases its interest rate at 7, 14 and 21 months.8

  • $1,000 minimum opening deposit ($250,000 maximum)
Interest Rates
##.##
for first 7 months
##.##
for next 7 months

Trade Up CD3

Take advantage of a long-term CD that adapts to a rising interest rate environment. Lock in a higher rate once during the 30-month or 60-month term.9

  • $1,000 minimum opening deposit ($250,000 maximum)
Interest Rates
##.##
for 30 months
##.##
for 60 months
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How much can you earn?

Enter your opening deposit amount, CD account type and term length to see how much you can earn.

 

After you’ve entered your details, select Calculate earnings to compare options. To see different CD account rates, select another account type.

 

The Annual Percentage Yield (APY)10 or Blended Annual Percentage Yield (APY)11 is effective on for ZIP code .

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currentZipCode

Enter any valid 5-digit ZIP code.

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Your estimated total earnings

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Your earnings:

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Compare today’s CD rates

Need help deciding which business CD is right for your business? Select an account type to view today’s Annual Percentage Yield (APY)10 or Blended Annual Percentage Yield (APY)11 for your location.

Showing rates for:

currentZipCode

Terms in months

CD amount

Interest rate

APY9

Terms in months

CD amount

Interest rate

APY9

Terms in months

Interest rate7

Blended APY11

Terms in months

CD amount

Interest rate

APY9

Looking for more ways to earn more interest on your business savings?

U.S. Bank business money market accounts offer tiered interest rates while providing easy access to your funds. The higher the tier, the more interest you could earn.

Learn more

Common questions about CDs for business

A business CD is a type of savings account that accrues a fixed interest rate for a set term, that can range from a few days or months to years. Funds deposited in a CD can’t be withdrawn before the end of the CD’s term without an early withdrawal penalty.

The main difference between CDs for businesses and individuals is account ownership. A business entity, such as an LLC, corporation or sole proprietorship opens a business CD, while individuals open personal CDs. Opening a CD for a business may also require business documents, like an Employer Identification number or articles of incorporation.

If no action is taken, CDs automatically renew on the maturity date for the same/closest term at the rate effective on that day. Renewal offers stay available until the grace period ends or when the CD has been renewed, whichever comes first. Your grace period can be found on the Overview tab of your CD.2

You’ll need to speak with a banker to make any type of withdrawal – whether that's at the time the CD matures, to make an interest-only withdrawal or a partial withdrawal. However, if you withdraw funds before the CD’s term ends, you may have to pay a penalty. To learn the exact amount of the penalty, you'll need to speak with a banker.

If you're ready to close your CD, please contact us to complete the request. The best time to close is when the term of your CD has ended (i.e., matured). By waiting until the CD has matured, you can avoid penalties.

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Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

Make an appointment

Schedule a virtual or in-person meeting with a business banker.

Request a call

Fill in details about your banking needs and a representative will call you.

Call us

Call  800-673-3555 to talk with a representative right away.

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Start of disclosure content

Disclosures

  1. Online application is not valid for single maturity CDs, business or retirement CDs, brokerage deposits, institutional investors, public funds or in conjunction with other promotional offers.

  2. Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.

  3. $1,000 minimum opening deposit up to a maximum of $250,000. 

  4. Jumbo CD Special rates are applicable for a minimum opening deposit of $250,000.01.

  5. FDIC insured to the maximum allowed by law.

  6. The U.S. Bank CD Special offer is only valid on a new U.S. Bank CD Special account for businesses who do not have an existing U.S. Bank CD. The advertised interest rates are not valid for businesses with any U.S. Bank CD accounts closed within the past 60 days. For existing U.S. Bank businesses, contact a banker to review your personalized CD offers.

  7. $500 minimum opening deposit up to a maximum of $250,000.

  8. Interest rates are set at the time the CD is opened and cannot change.

  9. Option to trade up one time only during the initial term requires you to visit a U.S. Bank branch to redeem before the maturity date. Rate change option is based on the published rate for the closest standard term that is equal to or less than the remaining term of the original CD. It may take up to ten days for rate change to become effective.

  10. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

  11. Blended Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

Start of disclosure content

See the U.S. Bank Your Deposit Account Agreement booklet for additional disclosures applicable to deposit accounts. Other conditions and restrictions may apply. Terms may change without notice. For the most current information about packages and benefits available, contact your banker.

For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.