Business CD Specials | Best Rates Up To 3.82% APY* 

Get Banner's highest rates up to 3.82% APY* with our current business CD offers.

For a limited time, earn more on your money with one of our business CD specials. Open a special offer CD online with as little as $2,500.

Ladder your CDs to keep cash available

A big consideration when opening a CD is whether the rate you'll earn is worth tying up your money for a longer period of time. CD laddering allows you to have both – a higher rate and easier access to your money.

Let's say you want to invest $40,000 in a 12-month CD. Rather than open one CD and tie up that money for 12 months. instead purchase four $10,000 CDs, either in varying terms (3-month, 6-month and 9-month) or purchase a 12-month $10,000 CD every three months. 

By laddering four CDs, a portion of your money becomes available every three months. You can access the maturing portion of your money without penalty or roll it into another CD.
Annual Percentage Yield (APY) is accurate as of 3/1/23, and applies to the initial term of a new CD special opened online at Minimum balance required to open the 9 month CD special is $50,000, and interest compounds daily and is credited to the account at maturity. For all other CDs, the minimum balance required to open is $2,500, and interest compounds daily and is credited to the account every three months. During the initial term of the 17-month and 36-month CD, you have a one-time “Bump Rate” option to request that the CD’s interest rate be increased to the rate currently being offered by Banner Bank on CDs that match the CD’s original term. On the first maturity date of your account, your CD will change from a promotional CD to a Fixed Rate CD. The CD will renew automatically at maturity; you may withdraw principal without penalty for 10 days following maturity. A penalty will be imposed for withdrawals before maturity. Public funds are not eligible for the bonus rate. Additional restrictions may apply.
Early withdrawal penalty varies by term. Consult a Banner Bank Representative for details.