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Checking
Business Checking
Commercial checking accounts with FREE Online Banking, Mobile Banking, Bill Pay, eStatements and more!
Learn More -
Savings & CDs
Savings & CDs
Keep cash on hand and earn interest with Regular Business Savings, PREMIER Money Market or a Certificate of Deposit.
Learn MoreKeep residual cash within reach with this interest-bearing, FDIC-insured savings account.
Lock in a competitive rate on FDIC-insured CDs and guarantee your rate of return for longer-term savings.
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Financing
Financing
We provide large-scale commercial financing, from term and SBA loans to commercial real estate and more.
Learn MoreCompetitive rates on term loans of any size to finance operations, growth, debt consolidation and more.
Finance receivables, inventory and larger purchases with a flexible operating line of credit.
Financing for commercial real estate purchase, land development, construction, refinancing and more.
Purchasing power and cash back rewards - a great way to consolidate spending and expenses.
Specialized funding and services for companies that place, promote and service ATMs.
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Treasury Services
Treasury Services
A powerful suite of cash and payment management solutions from one of the nation's strongest banks!
Learn MoreManage funds efficiently, maximize cash flow and put surplus balances to work.
- Virtual Account Management
- Business Online Banking
- Security & Fraud Protection
- Mobile Banking
- Reporting & Analytics
- Mobile Wallet
- eStatements
- Bill Pay
Manage incoming payments, streamline payment processing and collections.
- ACH Services
- Merchant Card Services
- Virtual Account Management
- Remote Deposit
- LockBox Services
- Centralized Returns
- Check Image Clearing
- Positive Pay
Electronically manage outbound payments and payment processing with ease.
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Asset Management & Trust
Asset Management & Trust
Comprehensive solutions to help your organization grow, invest and transition for the future.
Learn MoreTailored financial planning and investment management support to help you meet your financial goals.
Commercial 401(k) and group retirement plans including employee stock purchase and profit sharing plans.
Work with us to set up and administer 401(k) SEP and Simple IRA retirement plans for your business.
Extend your business legacy with business succession planning and trust services.
Certificates of Deposit
Lock in a Competitive Rate Today
A low-risk savings investment option for businesses interested in guaranteed return.
Contact UsCertificate of Deposit Terms & Rates
November 6, 2023
CD Special Rates
| CD Term | 7 Months2,5 |
| Minimum Opening Deposit | $10,000.00 |
| Interest Rate | 5.12% |
| Annual Percentage Yield | 5.17% |
| CD Term | 17 Months2,6 |
| Minimum Opening Deposit | $10,000.00 |
| Interest Rate | 5.01% |
| Annual Percentage Yield | 5.03% |
Standard CD Rates
| CD Term | 30 Days to < 6 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.30% |
| APY | 4.39% |
| CD Term | 6 to < 12 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.30% |
| APY | 4.35% |
| CD Term | 12 to < 24 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.25% |
| APY | 4.25% |
| CD Term | 24 to < 36 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.10% |
| APY | 4.10% |
| CD Term | 36 to < 48 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.85% |
| APY | 3.85% |
| CD Term | 48 to < 60 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.70% |
| APY | 3.70% |
| CD Term | 60 to < 72 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.55% |
| APY | 3.55% |
Reward CD Rates3
| CD Term | 30 Days to < 6 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.70% |
| APY | 4.80% |
| CD Term | 6 to < 12 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.70% |
| APY | 4.76% |
| CD Term | 12 to < 24 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.65% |
| APY | 4.65% |
| CD Term | 24 to < 36 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.50% |
| APY | 4.50% |
| CD Term | 36 to < 48 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.25% |
| APY | 4.25% |
| CD Term | 48 to < 60 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.10% |
| APY | 4.10% |
| CD Term | 60 to < 72 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.95% |
| APY | 3.95% |
2A penalty may be imposed for early withdrawal
3Must have a Reward Checking Account to be eligible for these rates
5After seven months, this will automatically renew into the 7-month CD special rate when available.
6After seventeen months, this will automatically renew into the 17-month CD special rate when available.
Fees could reduce the earnings on the account
Interest Rates and Annual Percentage Yields are current as of November 6, 2023
For current rate information, call (605) 357-3000
Member
FDIC
The Basics
- Low minimum deposit of just $500 to open1
- Competitive, fixed interest rate on balances
- FDIC-insured investment
Certificate of Deposit Terms & Rates
November 6, 2023
CD Special Rates
| CD Term | 7 Months2,5 |
| Minimum Opening Deposit | $10,000.00 |
| Interest Rate | 5.12% |
| Annual Percentage Yield | 5.17% |
| CD Term | 17 Months2,6 |
| Minimum Opening Deposit | $10,000.00 |
| Interest Rate | 5.01% |
| Annual Percentage Yield | 5.03% |
Standard CD Rates
| CD Term | 30 Days to < 6 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.30% |
| APY | 4.39% |
| CD Term | 6 to < 12 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.30% |
| APY | 4.35% |
| CD Term | 12 to < 24 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.25% |
| APY | 4.25% |
| CD Term | 24 to < 36 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.10% |
| APY | 4.10% |
| CD Term | 36 to < 48 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.85% |
| APY | 3.85% |
| CD Term | 48 to < 60 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.70% |
| APY | 3.70% |
| CD Term | 60 to < 72 Months2 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.55% |
| APY | 3.55% |
Reward CD Rates3
| CD Term | 30 Days to < 6 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.70% |
| APY | 4.80% |
| CD Term | 6 to < 12 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.70% |
| APY | 4.76% |
| CD Term | 12 to < 24 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.65% |
| APY | 4.65% |
| CD Term | 24 to < 36 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.50% |
| APY | 4.50% |
| CD Term | 36 to < 48 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.25% |
| APY | 4.25% |
| CD Term | 48 to < 60 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 4.10% |
| APY | 4.10% |
| CD Term | 60 to < 72 Months2,3 |
| Minimum Opening Deposit | $500.00 |
| Interest Rate | 3.95% |
| APY | 3.95% |
2A penalty may be imposed for early withdrawal
3Must have a Reward Checking Account to be eligible for these rates
5After seven months, this will automatically renew into the 7-month CD special rate when available.
6After seventeen months, this will automatically renew into the 17-month CD special rate when available.
Fees could reduce the earnings on the account
Interest Rates and Annual Percentage Yields are current as of November 6, 2023
For current rate information, call (605) 357-3000
Member
FDIC
Features & Benefits
- Low-risk savings option
- Good for longer-term savings growth
- Guaranteed rate-of-return
- A wide range of terms from 30 days to 72 months to meet cash flow needs2
- Access account information via Business Online Banking
Get Started Today
Whether you’re starting from scratch or transferring your account, our Business Bankers can help you get started with the financial management tools to meet your needs.
Additional Savings Options
Business Savings
Learn More
Build savings and keep available funds within reach with this FDIC-insured, interest-bearing savings account.
PREMIER Money Market
Learn More
Maximize available cash with interest, keeping funds within reach in a safe, FDIC-insured environment.
Disclosures
{1} A larger minimum deposit may be required for special CD offers.
{2} A penalty may be imposed for early withdrawal.
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Look after your assets, invest wisely and plan for the future by putting your funds to work for you.
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Help & Contact
Legal Notices
Member FDIC | 
Equal Housing Lender