Business CD

Business CDs offer a competitive rate, and a predictable return. Terms of 7 days to 72 months available.^[1]^,^[2]

Contact a banker to get started

What you get with a Business CD account

Competitive, fixed rate of return

Flexible terms

FDIC-Insured up to the maximum permitted by law.

Relationship rates for customers who have a Regions checking account and meet other requirements^[2]

More account details

Monthly fee

N/A. Please refer to Pricing Schedule for more details about the account.

Minimum opening deposit
- $2,500 minimum opening deposit for CDs with terms 7-89 days.
- $500 for CDs with terms 90 days or longer.
Early withdrawal penalty
- Early withdrawal of funds may result in substantial penalty.
Available terms

7 days to 72 months

Rate is fixed for the term of the CD, but the Relationship Pricing rates^[2] are subject to change if the customer does not maintain relationship requirements. Check rates
How interest is calculated
- Compounded daily and paid according to the terms of the CD: monthly, quarterly, semi-annual, annually or at maturity.
- If the term is one year or greater, the interest is credited to the account quarterly unless interest disbursements are set up.
- Interest disbursements allow you to have the interest that your Regions CD earns automatically transferred to your Regions checking, savings or money market account.
Can be automatically renewable. At maturity, the CD may renew for the same term automatically at the interest rate established by Regions Bank for your type of deposit at the time of each renewal.

Easy account access through Online Banking^[3]

Security of FDIC Insurance coverage up to the maximum amount permitted by law.
Contact a banker or make an appointment at a nearby branch to open a Business CD account.

Open a Regions business checking account

Find the right Regions business checking account to pair with your business savings account today.

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Regions CDs are uncertificated time deposit accounts and subject to the terms and conditions of the Regions Deposit Agreement and other related disclosures, terms, and conditions. This page is not an offer or contract and does not amend the Deposit Agreement, the terms of which govern and control. Rates offered for CDs may be changed at any time without notice. Interest on CD accounts with terms longer than 12 months must be paid at least annually. Substantial penalty for early withdrawal. Fees could reduce earnings on Account. See Deposit Agreement for details. Promotional rates may apply to certain accounts, are for a limited time only, and cannot be combined with other bonus rate offers. Offer is subject to change at any time. Not available for brokered deposits, or to public entities, financial institutions, or Commercial Banking customers, as defined by Regions and/or as indicated in Regions’ records.
The Relationship Pricing interest rates and Annual Percentage Yield (APY) are available to depositors who meet the following relationship requirements:
- The time deposit term must be at least 32 days and
- The primary or secondary designated owner on the time deposit must be the primary or secondary designated owner on an open Regions Bank checking account in good standing during the term of the time deposit.
If you do not meet the bank's relationship requirements, your account will earn the lower Standard Pricing interest rates and APYs. Details about Relationship Pricing and Standard Pricing are disclosed in time deposit account documentation and disclosures and are available from the Bank's customer service representatives. Please note that IRA deposits are not eligible for Relationship Pricing.
To enroll in Online Banking for business accounts, you must either: have a Social Security or Tax Identification Number. There is no fee to access Online Banking, but fees may apply to certain products and services offered through Online Banking. You must be at least 18 years of age to use Regions Bill Pay or Zelle®.