Business Certificates of Deposit (CDs)

Enjoy competitive rates and convenient automatic renewals so your business can keep on earning.

Looking for a Business CD?

Put your money to work and earn more with our 3-month term CD at 5.12% Annual Percentage Yield (APY).1*

Convenient Automatic Renewal

CDs will automatically renew for the same period selected, with a grace period of up to 10 days.


Money Is Safe & Secure

Funds are insured up to the maximum amount allowed by the FDIC.


Additional Account Information

7 to 31 days $10,000
1 month (32 to 59 days) $10,000
2 months (60 to 89 days) $10,000
3 months (90 to 179 days)* $10,000*
5 months liquid $10,000
6 months (180 to 269 days) $10,000
9 months (270 days) $10,000
11 months*† $10,000*†
12 to 23 months $2,500
24 to 35 months $2,500
36 to 47 months $2,500
48 to 59 months $2,500
60 months or more $2,500
  • For CDs with a term of seven (7) to 31 days, there is a withdrawal penalty that is the greater of: (a) seven (7) days’ interest; (b) all interest earned since the most recent issue or renewal date; or (c) all interest which could have been earned during one-half of the maturity period.
  • For CDs with a term of 32 to 179 days, the penalty is 30 days’ interest.
  • For CDs with a term of 180 days to one (1) year, the penalty is 90 days’ interest.
  • For CDs with a term of over one (1) year, the penalty is 180 days’ interest.

Each penalty is calculated on the amount withdrawn.

The 5-month liquid CD allows for one penalty-free withdrawal. Withdrawals may reduce earnings.

  • CA, FL#, NV, MN, DC & VA: 122016066
  • GA & TN: 064009445
  • NY: 026013958

City National Bank’s SWIFT Code is: CINAUS6L

Click here to read the agreements, fees and disclosures.

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Interested in a Personal CD?

Deposit funds now. Earn big later.

1The interest rate and associated Annual Percentage Yield ("APY") are accurate as of 5/7/2024, are established by City National Bank and may vary as often as daily. CD accounts earn a simple rate of interest compounded only if and when interest is posted to the account. You may choose to have your interest post monthly, quarterly, semiannually or annually. For accounts with a term of less than one (1) year, you may choose to have interest posted at maturity, in which case, interest will not be compounded. The APY assumes interest remains on deposit for the term of the certificate. A penalty may be imposed for early withdrawal. Any withdrawal will reduce earnings.

*$10,000 minimum opening deposit required.

Qualified funds must be new money deposited from external accounts or payees other than City National Bank or any of its affiliates, including but not limited to City National Securities, Inc., Royal Bank of Canada, RBC Wealth Management, and RBC Bank (Georgia).

#City National Bank does business in Miami and the state of Florida as CN Bank.

§City National Bank App requires that you download the City National Bank App and is only available for select mobile devices. Requires setup in City National Online®; and if applicable, setup of any related business services accessed via City National Online. Message and data rates may apply.

Online and Mobile Banking Service Agreement