GROW YOUR BUSINESS SAVINGS WITH A

CERTIFICATE OF DEPOSIT

Choose your term, lock in a fixed rate, and earn a guaranteed return on excess funds you don't immediately need with an INTRUST Business Certificate of Deposit (CD).

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Current business CD rates

Compare current business CD terms and Annual Percentage Yields (APYs) to find the option that best fits your savings strategy.

6-month CD

2.70% APY
  • $500 minimum opening deposit1
  • FDIC insured up to maximum amount allowed.
Most Popular

12-month CD

2.70% APY
  • $500 minimum opening deposit
  • FDIC insured up to maximum amount allowed.

18-month CD

2.30% APY
  • $500 minimum opening deposit
  • FDIC insured up to maximum amount allowed.
Find a Location or contact us to open

Additional CD terms available. Please call or visit a banking center for more details.

Rates may vary by bank location. Annual Percentage Yields (APYs) quoted are accurate as of  and are subject to change without notice.

Open an Account

Please call or visit a nearby banking center to open a new Certificate of Deposit account, or to learn more.

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Why choose an INTRUST Bank CD?

INTRUST Bank Business CDs are a reliable way to grow your savings, with fixed rates, FDIC protection, competitive returns, and convenient account access. It can be a smart option for funds set aside for taxes, planned expenses, or future investments.

FDIC Insured

Your business deposits are protected up to $250,000 per depositor.

Guaranteed Return

Lock in your fixed rate and know exactly what your business will earn through the CD term.

Online & Mobile Access

Monitor your CD alongside your business accounts through online and mobile banking.

Competitive Rates

Competitive CD rates helps you earn more while you focus on running your business.

Calculate your CD earnings

Enter your deposit and select a term, then click Calculate.

This calculator is provided for your convenience. The accuracy of the calculation is not guaranteed. It is not intended as an advertisement, a disclosure statement under any consumer law, or an offer of tax, legal, financial or investment advice, and the calculator is not guaranteed to be applicable to your circumstances. It is not a guarantee of the availability of any particular loan product or interest rate or an offer to make a loan.

Frequently asked questions

A Certificate of Deposit (CD) is a savings account that earns a fixed, guaranteed interest rate for a set period, called a term.

Business CDs are often used to earn a predictable return on funds not needed for day-to-day operations. Deposit your money, choose your term, and earn a fixed rate until the CD matures. If you withdraw early, a penalty may apply.

INTRUST Bank offers Business Certificate of Deposit (CD) terms ranging from 3 months to 5 years.

Whether you want a short-term option or a longer commitment, you can choose a timeline that fits with your broader cash management strategy.

For most terms, you can open an INTRUST Business Certificate of Deposit (CD) with as little as $500 when you select automatic renewal.

For 3-, 6-, and 9-month CDs without automatic renewal, the minimum to open is $2,500.

Yes, but an early withdrawal penalty applies.

  • For Certificates of Deposit (CD) with terms of 12 months or less, the penalty is three months of interest.
  • For CD terms longer than 12 months, the penalty is six months of interest.

We recommend choosing a term that aligns with when you expect to need the funds.

Interest compounds daily and is credited to your account based on the term of your Certificate of Deposit (CD). You can choose to have interest added back to the CD or deposited into an INTRUST checking or savings account.

Yes. INTRUST Bank Business Certificates of Deposit (CD) are FDIC insured up to $250,000 per depositor.

Your Certificate of Deposit (CD) automatically renews at the standard rate for the selected term at the time of maturity. You have a 10-day grace period after the maturity date to deposit additional funds, change your term, or withdraw your money without penalty.

Both are safe places for your money, but they work differently.

A savings account gives your business flexibility to access funds as needed and earns a variable rate.

A Certificate of Deposit (CD) locks in a fixed rate for a set term, which typically means a higher return, and your money stays in the CD until the term ends or you pay a penalty for early withdrawal.

A CD is a good fit for funds you've set aside for a future expense or want to keep separate from your operating cash.

A certificate of deposit is an account where the customer generally does not have a right to make withdrawals unless the deposit is subject to an early withdrawal penalty. Withdrawals will reduce earnings. Substantial penalty for early withdrawal.

For more details, review our Terms and Conditions for Your Deposit Accounts and Your Ability to Withdraw Funds from Your Deposit Accounts.

1. $500 minimum deposit if automatic renewal, or $2,500 minimum opening deposit if not automatic renewal. When you select automatic renewal, once the term expires, you have 10 calendar days to add or change the term with no penalty. You generally cannot make withdrawals without an early withdrawal penalty.