Business Certificates of Deposit (CDs)

Secure, predictable growth for your business.

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Secure Savings Options

Every business we work with has unique savings goals. Whether you're planning for future expansion, equipment purchases, or want to make the most of excess operating funds, Isabella Bank can help. Explore how our Business CDs and CDARS® can provide stability, security, and the right level of flexibility for your financial strategy.

 

CD and CDARS® Benefits
  • Higher rates than standard savings.
  • More guarantee than other, higher-risk investments.
  • Everything is managed by Isabella Bank.
  • Helps support lending opportunities within your local community. 

 

Business CDs vs. CDARS

Compare Isabella Bank's Business CDs and CDARS®2 accounts to find the right secure, growth-focused savings option for your business.

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Stable, Guaranteed Business Savings

Business Certificates of Deposit (CDs)

  • Competitive, fixed rates.
  • Higher rates than standard savings.
  • Wide range of terms (1 month- 5 years).
  • No setup or maintenance fees.1 
  • $1,000 minimum to open. 
Get Started
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Expanded FDIC Insurance Coverage

CDARS for Large Deposits

  • Multi-million dollar FDIC insurance coverage.
  • Interest earnings above standard savings.
  • Flexible maturity periods.
  • Managed entirely through Isabella Bank.
  • Supports local community lending.
Get Started
A young couple meeting with a financial professional
Stable, Guaranteed Business Savings

Business Certificates of Deposit (CDs)

  • Competitive, fixed rates.
  • Higher rates than standard savings.
  • Wide range of terms (1 month- 5 years).
  • No setup or maintenance fees.1 
  • $1,000 minimum to open. 
Get Started
a man sitting and smiling at a woman talking
Expanded FDIC Insurance Coverage

CDARS for Large Deposits

  • Multi-million dollar FDIC insurance coverage.
  • Interest earnings above standard savings.
  • Flexible maturity periods.
  • Managed entirely through Isabella Bank.
  • Supports local community lending.
Get Started

Explore More Ways to Save

Discover other business savings options designed to help you maximize earnings and reach your financial goals.
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Business Money Market

Earn competitive rates while keeping easy access to your business funds.
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Employee Retirement Accounts

Help your employees save for retirement with flexible, tax-advantages options.
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Employer Health Savings Account

Offer a tax-advantaged way for employees to save for qualified medical expenses.
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Business Local Savings Account

Built for everyday business challenges, with competitive rates and convenient tools.
business money market briefcases

Business Money Market

Earn competitive rates while keeping easy access to your business funds.
individual retirement accounts iras

Employee Retirement Accounts

Help your employees save for retirement with flexible, tax-advantages options.
Shield with plus icon

Employer Health Savings Account

Offer a tax-advantaged way for employees to save for qualified medical expenses.
bill currency

Business Local Savings Account

Built for everyday business challenges, with competitive rates and convenient tools.

Explore More Business Services

Take your business banking to the next level with powerful tools designed for efficiency, security, and control.
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Investment Guidance

Business Wealth Management

Professional wealth strategies to help grow and protect assets.
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Easy Billing

Autobooks Billing Tools

Simple invoicing and payment tools built right into online banking.
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Optimize Cash Flow

Treasury Management Tools

Tools to help you manage cash flow and streamline daily finances.
Two professionals shaking hands

Investment Guidance

Business Wealth Management

Professional wealth strategies to help grow and protect assets.
online banking autobooks

Easy Billing

Autobooks Billing Tools

Simple invoicing and payment tools built right into online banking.
A business owner going through paperwork

Optimize Cash Flow

Treasury Management Tools

Tools to help you manage cash flow and streamline daily finances.

1All Certificates of Deposit require a penalty for early withdrawal. 

2Certificate of Deposit Account Registry Service (CDARS) are registered service marks of IntraFi Network Deposits. Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS® Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us.