Lock in your rate.
Grow your business savings with confidence.
An FVSBank Business Certificate of Deposit, or CD, is a simple way to set aside extra business funds and earn a fixed rate for a set term. Whether you are planning for future expenses, building reserves, or saving surplus cash, an FVSBank Business CD gives your money a predictable place to grow.
Best for businesses that want:
A guaranteed, fixed-rate return
A lower-risk way to grow business savings
Flexible terms based on timing and goals
A secure place to set aside funds not needed right away
Why choose an FVSBank Business CD?
Fixed rate for the full term
Your rate stays the same throughout the CD term, making it easier to plan ahead.
Guaranteed return
Know what your business funds will earn before you open the account.
Flexible terms
Choose a term that fits your business timeline, whether you are saving for short-term needs or future growth.
A Business CD may be a good fit if your business is:
Saving for equipment, expansion, or future purchases.
Setting aside tax reserves or seasonal funds.
Building long-term cash reserves.
Looking for a stable option for excess funds.
Prioritizing predictable earnings over daily access.
What is a Business Certificate of Deposit?
A Business Certificate of Deposit is a savings option that allows your business to earn a fixed rate for a set term. IN exchange for keeping funds deposited for the full term, your business earns a guaranteed return.
Can my business access the money before the CD matures?
Business CDs are designed for funds your business does not need to access right away. Early withdrawals may be subject to penalties.
Are Business CDs FDIC insured?
Yes. FVSBank Business CDs are FDIC-insured up to applicable limits.
How do I choose the right CD term?
Think about when your business may need the funds. A shorter term may work well for upcoming expenses, while a longer term may be a better fit for funds you can set aside for future goals.
Is a Business CD better than a Business Savings or Money Market account?
It depends on your cash flow needs. A Business CD may offer a fixed return for funds you can leave untouched, while a Business Savings or Money Market account may be better if your business needs more access to funds.