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Business CDs

Invest in the Growth of Your Business

Business CD Rates

9 Month CD Special
View All Rates

As High As 3.75% APY*

12 Month CD

As High As 2.00% APY*

Business Certificates

When you invest in a Business Certificate of Deposit (CD), you'll earn a guaranteed interest rate of return for your business. And you can rest easy knowing your principal is federally insured.

Higher guaranteed rates than Savings or Money Market.
Just $500 to open.
Terms from six months to three years.
Federally insured up to $250,000 by the NCUA.

To open a Certificate of Deposit, call us at 503.626.6600, or visit a branch.

Schedule an Appointment

Frequently Asked Questions

Your earnings can be deposited into your Rivermark Business Checking, Savings or Money Market accounts, or mailed as a check. Maximize your return by reinvesting the earnings into another CD.
You can withdraw it, but you’ll pay a penalty equal to 90 or 180 days worth of interest, depending on the original term of your CD.
One way to maximize your interest income is with a strategy called CD laddering. Over time, it's an easy way to earn a higher rate without locking up all your money into a single long-term certificate.

For example, instead of opening one 3-year CD for $15,000, you would divide your initial deposit into three equal CD's.
1. Open one CD for $5,000 with a 3-year term
2. Open a second CD for $5,000 with a 2-year term
3. Open a third CD for $5,000 with a 1-year term
When your 1-year CD matures, you would roll that $5,000 into a new 3-year certificate. After three years, all of your certificates will be earning the higher three-year rate of interest at that time and you'll always have access to $5,000 of your money within one year.