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Business Time Deposit Accounts
Leverage the stability and growth of a guaranteed return
Time deposits combine the security of a guaranteed return from a savings account with the higher return associated with an investment. Earn a higher rate with our Jumbo and High-Yield time deposits.
Regular Time Deposit Rates
| Term | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 90-179 days | $500 | 2.47% | 2.50% |
| 180-269 days | $500 | 2.71% | 2.75% |
| 270-364 days | $500 | 2.71% | 2.75% |
| 12 months | $500 | 4.88% | 5.00% |
| 13-17 months | $500 | 3.05% | 3.10% |
| 18-23 months | $500 | 3.05% | 3.10% |
| 24-35 months | $500 | 3.54% | 3.60% |
| 36-47 months | $500 | 3.54% | 3.60% |
| 48-59 months | $500 | 3.54% | 3.60% |
| 60+ months | $500 | 3.54% | 3.60% |
Jumbo Time Deposit Rates
| Term | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 7-31 days | $100,000 | 1.83% | 1.85% |
| 32-89 days | $100,000 | 1.83% | 1.85% |
| 90-179 days | $100,000 | 2.47% | 2.50% |
| 180-269 days | $100,000 | 2.71% | 2.75% |
| 270-364 days | $100,000 | 2.71% | 2.75% |
| 12 months | $100,000 | 4.88% | 5.00% |
| 13-17 months | $100,000 | 3.05% | 3.10% |
| 18-23 months | $100,000 | 3.05% | 3.10% |
| 24-35 months | $100,000 | 3.54% | 3.60% |
| 36-47 months | $100,000 | 3.54% | 3.60% |
| 48-59 months | $100,000 | 3.54% | 3.60% |
| 60+ months | $100,000 | 3.54% | 3.60% |
High-Yield Time Deposit Rates*
| Term | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 7-31 days | $1,000,000 | 2.57% | 2.60% |
| 32-89 days | $1,000,000 | 2.57% | 2.60% |
| 90-179 days | $1,000,000 | 2.96% | 3.00% |
| 180-269 days | $1,000,000 | 3.05% | 3.10% |
| 270-364 days | $1,000,000 | 3.05% | 3.10% |
| 12 months | $1,000,000 | 4.88% | 5.00% |
| 13-17 months | $1,000,000 | 3.54% | 3.60% |
| 18-23 months | $1,000,000 | 3.54% | 3.60% |
| 24-35 months | $1,000,000 | 3.54% | 3.60% |
| 36-47 months | $1,000,000 | 3.54% | 3.60% |
| 48-59 months | $1,000,000 | 3.54% | 3.60% |
| 60+ months | $1,000,000 | 3.54% | 3.60% |
*More than one Time Deposit (currently opened or being opened) may be aggregated to equal the $1,000,000. Time Deposits owned by a combination of qualified related owners may be aggregated to equal or exceed the $1,000,000. Qualified related owners are: Spouse, minor or dependent children, customer or spouse as trustee of a revocable or irrevocable trust he/ she created; customer or spouse as grantor of revocable or irrevocable trust; customer or spouse as trustee or grantor of a marital trust; customer or spouse as custodian of a custodial account for the benefit of the minor or dependent child, all living in the same household.
Rates may vary by bank location. Annual Percentage Yields (APYs) quoted are accurate as of 3/21/2019 and are subject to change without notice. Withdrawals will reduce earnings. Substantial penalty for early withdrawal.
All time deposit accounts will automatically renew at their maturation date. 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.
For more details, review our Terms and Conditions for Your Deposit Accounts.
Insured by the FDIC
Time deposit accounts qualify for the maximum allowed deposit coverage from the FDIC. Rest easy in the safety and stability of investing your hard-earned dollars and watch them grow with guaranteed returns.
Get started with a new account
Contact us to open a new business time deposit account. We look forward to helping your business grow.
Contact Us
A time 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. INTRUST Bank Time Deposits are similar to Certificates of Deposits (CDs), but are issued with a Receipt and not a Certificate.