Business CDs & time deposits

Lock terms that align to contract milestones, equipment deliveries, or tax planning—with penalties and renewal options spelled out before purchase.

  • Callable structures flagged explicitly when offered
  • Ladder templates documented at onboarding
  • Pledge documentation tracked when CDs support credit facilities
Structure a ladder Back to savings
Architect reviewing project plans with a colleague.

Documented pricing

Fees, waivers, and disclosures before you fund.

Controls that scale

Dual approval, alerts, and card policies for teams.

Named coverage

Relationship bankers for onboarding and renewals.

Credit discipline

Lending and deposits coordinated with one mandate.

Maturity ladder—visual planning aid

Bar lengths suggest staggered maturities (for example 3 / 6 / 9 / 12 months). Your actual ladder is captured in treasury instructions.

  • Grace periods — posted reinvestment windows with default action if you do not instruct.
  • Early withdrawal — penalty formulas with numeric examples in the disclosure.
  • Pledge / credit — control agreements coordinated with commercial credit when CDs secure facilities.