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Business CD rates
Competitive rates, any term.

How to find competitive CD rates for business cash: CDs from insured banks and credit unions nationwide, any duration from 1 month to 5 years, CD laddering, insurance limits and fees.

Updated October 2026 · Ampersand editorial team

Key takeaways
  • CD rates vary widely by bank and term — shopping nationally matters.
  • Ampersand offers CDs from insured institutions across its network, with some of the most competitive rates nationwide.§
  • Any term from 1 month to 5 years, in the same portal, with no new paperwork.
  • CDs count toward the insurance limit with your other deposits at the same bank.

Why CD rates differ so much

Each bank sets its own CD rates based on its funding needs. The same term can pay very different rates at different institutions — which is why access to many banks matters more than any single bank’s rate sheet.

Finding competitive rates nationwide

Ampersand gives you access to CDs from insured banks and credit unions across the country. Rates are compared per bank, and our network offers some of the most competitive CD rates nationwide.§

Choosing a term and laddering

Choose any duration from 1 month to 5 years. Many businesses ladder CDs — splitting cash across staggered maturities — so part of their balance becomes available at regular intervals while longer terms lock in rates.

Insurance and CDs

CDs at insured institutions are deposits and are insured up to the standard limit together with any other deposits you hold at the same bank in the same ownership category. Ampersand keeps placements within limits per institution.

Fees and terms

A placement fee applies to CDs and is charged at maturity, subject to a signed agreement with Ampersand — see your agreement for details. CDs follow the issuing institution’s terms, which may include early withdrawal penalties.

See what your balance could earn — fully placed within insured limits.One account. 300+ insured institutions. Keep your operating bank.

Frequently asked

Rates vary by bank and term. Accessing CDs from many insured institutions — rather than one bank — lets you compare and choose competitive rates.

Yes. Ampersand clients buy CDs through the same account and portal.

Any duration from 1 month to 5 years.

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Ampersand, Inc. is not a bank or depository institution. Ampersand acts as administrator in placing deposits at FDIC- or NCUA-insured banks or credit unions; deposit insurance is provided by those institutions, subject to standard limits, aggregation rules, and pass-through requirements. ‡ Program rates have averaged 5–9x the FDIC national average savings rate, as of 10/15/2026; averages are not a guarantee of any client’s rate. § CDs are issued by participating insured institutions; “most competitive” compares per-bank CD rates with publicly available national CD rate data as of 09/19/2026. A placement fee applies to CDs and is charged at maturity, subject to a signed agreement with Ampersand; see your agreement for fee details. Rates vary and are not guaranteed. This guide is general information, not legal, tax or investment advice. Full disclosures →