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Business Certificates of Deposit Ladders

 

A business CD ladder allows you to open four CDs at the same time, for the same amount, but at staggered intervals.

Make your business savings work harder for your business

 

Reliable access to funds

 

Cash is available at planned intervals to help cover business expenses.

 

Flexibility

 

Business CDs that reach maturity can be rolled into a new CD that matches the APY and term of the longest CD or you can use the money.

 

Peace of mind

 

You’ll earn a fixed interest rate and have the security of FDIC insurance.

Go to your local branch to get started

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Here’s an example for a 12-month business CD ladder:

Example of a 12-month CD ladder
  1. You open four business CDs at the same time, with 3, 6, 9 and 12-month terms.
  2. When each CD matures, its new term automatically changes to 12 months.
  3. The result is four 12-month CDs, with one maturing every three months.
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Frequently Asked Questions

A CD ladder is a group of CDs opened at the same time for the same amount, but with different terms. When each CD matures, its term will change to the longest term of the ladder.

A CD ladder allows you to earn interest over time and potentially take advantage of rising rates while also providing you with steady access to your money.

We offer two CD ladders: A 4-month CD ladder made up initially of 1, 2, 3 and 4-month term CDs, and a 12-month CD ladder made up initially of 3, 6, 9 and 12-month term CDs. Each CD in the ladder receives its own unique account number and CD receipt at account opening.

CD ladders can be opened by a banker at any branch, but cannot be opened online at this time. All 4 CDs in a ladder are opened at the same time, for the same amount, with a minimum of $1,000 in each CD. CD ladders can be opened only for qualifying Chase Private Client or Business Banking clients.

Each CD will automatically renew to the longest term of the ladder (either 4 or 12 months). You'll be reminded of the new term on your CD Maturity Notice, which you'll receive as each CD in the ladder reaches maturity.

You may add or withdraw money in a CD during the grace period following each CD’s maturity date.

Interest rates vary based on the account balance at opening or renewal. See the CD ladder section of the Deposit Rate Sheet for the specific interest rate for each CD term in a ladder.

A standard CD cannot be changed to a CD ladder. However, once your CD matures you can choose to withdraw funds from your standard CD and open a CD ladder as a group of 4 CDs.