Business CDs

Lock in guaranteed returns on reserve capital with fixed-rate business CDs — know your yield up front and keep your principal FDIC-insured.

Guaranteed Fixed Rate FDIC-Insured Flexible Terms

Features

Guaranteed returns on idle capital.

A fixed rate for funds you don't need right now.

Guaranteed Fixed Rate

Your APY is locked for the full term regardless of market moves.

Flexible Terms

Choose terms that match your cash flow and reserve strategy.

FDIC-Insured Principal

Protected up to applicable FDIC limits.

Laddering Friendly

Stagger maturities to balance yield and access.

Products & Rates

Compare business CD terms.

View RMO business CD terms and rates, and see how they compare to Live Oak and Marcus.

View Business CD Products →

See how RMO compares:

vs. Live Oak → vs. Marcus →

Learn

New to banking with RMO?

Our plain-English banking guides explain how to choose an account, how FDIC insurance works, savings vs. CDs, avoiding fees, and more.

Read the Banking Guides →

FAQ

Frequently asked questions

What happens at maturity?

You can withdraw principal plus interest or renew into a new term. RMO notifies you before maturity.

Is there an early withdrawal penalty?

Withdrawing before maturity may incur a penalty. Terms are disclosed at account opening.

Are business CDs FDIC-insured?

Yes, up to applicable FDIC limits.

Support

How can we help?

We're here whenever you need us.

FAQs

Find answers to common questions about accounts, fees, and services.

Talk to Us

Reach our member services team by phone, email, or chat for personalized help.

Visit Us

Find a retail center near you for in-person service, appointments, and support.

FDIC Insurance. RMO Bank deposit accounts are FDIC-insured up to applicable limits ($250,000 per depositor, per insured bank, per ownership category). APYs and fees are accurate as of the date shown on each product page and are subject to change without notice. Fees may reduce earnings. Check-cashing and currency-exchange services are offered through RMO Financial and are not deposit products. See the applicable account agreement, rate sheet, and fee schedule for full terms, conditions, and any transaction limits.

Disclosure. This page is general educational information. Deposit accounts and banking services are offered through RMO Bank. RMO Bank deposit accounts — checking, savings, money market, and certificates of deposit — are insured by the FDIC up to the maximum amount permitted by law. Account terms, fees, and rates are disclosed in the applicable account agreement and fee schedule, which govern.