Business Certificate of Deposit

Guaranteed returns with flexible terms & coverage

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Why Choose Our Business CDs

Our Business Certificate of Deposit accounts help businesses earn guaranteed returns on cash reserves. Whether you’re managing seasonal cash flow, saving for expansion, or maximizing operating funds, we deliver competitive rates and comprehensive protection to help you succeed.

CD Features That Work for You

  • Fixed rates with guaranteed returns protect your earnings from market changes 
  • Flexible terms from 3 months to 5 years match your business planning cycles 
  • No setup charges or service fees keep costs low and maximize your returns 
  • 100% deposit insurance coverage through FDIC and DIF protects all your funds 

Community Banking Advantages

  • Local decision-making means faster approvals and personalized service 
  • Dedicated business banking team provides expert cash management guidance 
  • Online business banking integration offers 24/7 access to your CD performance 
  • Over 100 years of experience serving businesses with stability you can trust 

Short-Term CDs (3-12 Months)

Ideal for seasonal businesses and short-term cash management with quick access to funds and competitive rates.

  • Competitive minimum deposits 
  • Faster liquidity access 
  • Seasonal business friendly 
  • Strong short-term rates 

Medium-Term CDs (12-24 Months)

Perfect balance of competitive rates and reasonable commitment for businesses planning moderate-term investments.

  • Enhanced interest rates 
  • Strategic cash planning 
  • Business cycle alignment 
  • Growth-focused terms 

Long-Term CDs (24+ Months)

Maximum returns for businesses with surplus cash that won’t be needed for extended periods of operations.

  • Highest available rates 
  • Long-term growth strategy 
  • Maximum return potential 
  • Stable investment planning 

Complete Business Cash Management

Our Business CDs integrate seamlessly with your complete cash management strategy. From seasonal businesses to year-round operations, we’ll help you maximize every dollar’s potential.
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Seasonal Cash Flow Planning

Perfect for tourism and seasonal business cycles
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CD Laddering Strategy

Stagger maturity dates for regular liquidity access
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Rate Comparison Tools

See how our competitive rates help your money grow
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Business Growth Funding

Save systematically for expansion and equipment
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Risk-Free Returns

Guaranteed earnings with comprehensive deposit insurance
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Flexible Terms Available

Choose from 3 months to 5 years to match your needs
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Business Certificate of Deposit FAQs

Get answers to common questions about Business CDs, from minimum deposits to early withdrawal penalties and business-specific features.

Our Business CDs have competitive minimum deposits that make them accessible for businesses of all sizes. The minimum deposit is only $500.

By combining FDIC primary insurance and DIF excess deposit insurance, we provide full insurance on all deposits, no matter the balance.

Interest can be withdrawn, automatically transferred to another account, or mailed by check without penalty, or left in account for accrual.

Your CD will automatically renew for the same term at current rates, or you can withdraw funds, change terms, or reinvest during the grace period.

A penalty may be imposed for early withdrawal of principal, but we offer various business savings options if you need more liquidity.

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Ready to Maximize Your Business Cash?

Join businesses throughout our region who trust Cape & Coast Bank for superior cash management solutions. Open your Business Certificate of Deposit today and start earning guaranteed returns on your surplus cash.

Open CD Today
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Need More Liquidity Than a CD?

Our Business Money Market accounts offer higher interest rates than traditional business savings with the flexibility to access your funds when you need them most for daily operations.

Learn More