Business CD

A secure solution to grow and preserve funds

A healthy business needs both profits and savings. Lock in one or more Business CDs today and turn your savings into earnings.

Key features

  • $1,500 to open

  • No monthly maintenance fee

  • Terms from 3 months to 5 years

  • 20-day maturity alert

  • Automatic rollover

Business CD terms & rates

3 month2.45%
6 month4.00%
9 month2.65%
1 year4.75%
1.5 year2.10%
2 year2.20%
2.5 year2.30%
3 year2.40%
4 year2.50%
5 year2.50%

Lock in a great rate and peace of mind

Enjoy earning a fixed interest rate for the term you select, from 3 months to 5 years.

Open an account

Get started online

Better banking for your business begins here. Expedite the account opening process by telling us just a little about your new account needs.

Work with a specialist

Monday Friday, 8 a.m. – 5 p.m. (ET)

Business CDARS® CD

We go further to protect your cash reserves

Gain access to FDIC insurance coverage on millions in deposits.2 As a network member, we’ll use the Business CDARS CD product to distribute your funds into CDs at other banks in the network.3

Strong and secure

We’ve got your back

You’ve worked hard to build your business, so naturally you want to protect your funds and profits. That’s why with every account at EverBank, we deliver stringent security measures to help reduce fraud risk and prevent unauthorized transactions.

We’re ready to work for you

Information to keep in mind

  1. The quoted Business CD Annual Percentage Yields (APYs) are accurate as of 12/08/2023. APYs assume interest remains on deposit until maturity. These APYs are applicable to all CD principal balances. The required minimum opening deposit is $1,500. Early withdrawal penalties apply. Fees may reduce earnings.

  2. CDARS has an overall funding limit per depositor of $50 million. This overall funding limit includes all deposits placed in the CDARS product through any IntraFi network bank. This means that if you currently have a CDARS CD with another member bank, the amount of FDIC insurance coverage available to you via the network when opening a CDARS CD with us will be reduced by the amount you already have placed through the CDARS CD you have with the other bank.

  3. Deposit placement through CDARS is subject to the terms, conditions, and disclosures in applicable agreements, including our CDARS Deposit Placement Agreement. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, if you have existing deposit balances at other IntraFi network banks, your balances with those banks may exceed the SMDIA as a result of the placement. You may exclude banks from eligibility to receive your funds to avoid this. A list identifying IntraFi network banks appears at Additionally, your balances with us may exceed the SMDIA for a period of time (e.g., before settlement for deposits or after settlement for withdrawals). You are responsible for making any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS satisfies any restrictions on your deposits. IntraFi and CDARS are registered service marks of IntraFi Network LLC.


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    Have a member of our Business Banking Center contact you directly. Whether you’re a current client or just now finding us, you can count on receiving the dedicated level of service your business deserves.

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    Business fraud detection and protection

    Your safety is our priority

    When it comes to online banking security, our goal is to make sure your business is covered at every contact point. We utilize a multi-layered approach to help protect you against fraud and identity theft, and to make sure our own systems are just as secure.

    Business online banking safety and security

    Our Business Online Banking secure banking platform provides multiple security features, including strong encryption technologies, account number masking and authentication methods that can help prevent cross-site scripting (hacking).

    Two-factor authentication

    We’ve added an extra layer of security to your account login experience with a two-factor authentication feature, which can help stop unauthorized access to your account. We will employ this security measure at times when our system detects a potential threat. This feature utilizes two different components to log in—a password and a token or authentication code. For companies using our wire or ACH services two-factor authentication is required at every login.

    Stop payment

    Using the Business Online Banking platform, you can conveniently issue a stop payment on a single or multiple checks from anywhere with Internet access—24 hours a day, 7 days a week—to help prevent fraud from a lost or stolen checkbook.

    ACH positive pay

    Within the Business Online Banking platform, our ACH positive pay service features real-time management, including the ability to update rules for incoming ACH debits, review and return ACH debits that are presented as exceptions, and give instructions for payments and returns.

    Check positive pay

    Also within the Business Online Banking platform, this service allows businesses to upload a ‘checks issued’ file that identifies a check’s routing number, account number, check number, check amount and payee information. If the details don’t match when a check is presented for payment, a list of exceptions will be presented to you within Business Online Banking, allowing for the determination of which checks will be paid or returned.