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FDIC

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Business Certificates of Deposit

4.05% APY1 on a 4-Month Standard CD

Boost your business savings sooner with the flexibility and benefits of a shorter-term certificate of deposit (CD). Our 4-month Standard CD offers increased liquidity and the ability to access your funds sooner, all while enjoying the security of an FDIC-insured2 savings account.

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business owner capitalizing on higher fixed rates by the power of a business certificate of deposit (CD) with BOK Financial.

  • Secure and Consistent

    Experience the power of certainty and steady earnings from day one with our business CDs. Benefit from our fixed, competitive interest rates that ensure a reliable source of income for your business. Rest easy knowing that our CDs are protected by FDIC insurance, providing a safeguard for your funds. Discover the path to consistent earnings and shield your business from unnecessary risks.

  • Interest Payout

    Maximize your business’s earnings with our business CDs. Interest is compounded and paid out quarterly or at maturity giving you the choice to credit it to your CD or deposit it into another Bank of Texas account, like your checking or savings account.

  • Flexible Terms

    Choose freedom and flexibility with our diverse term options, including no penalty CDs. Achieve your financial goals, whether short-term or long-term, with our competitive interest rates. Don't settle for less - unlock your business's earning potential with our flexible solutions.

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Account Information

Minimum balance requirements vary for different CD products:

  • $1,000 Standard CDs
  • $1,000 No-Penalty CDs
  • $1,000 Promotional CDs, 10-Month and 17-Month
  • $5,000 Promotional CDs, 14-Month

Ready to get started?

Our business bankers are ready to discuss your business needs. You can call them at 800-346-5312, visit one of our banking centers or schedule an appointment.

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    Disclosures

    1 The duration of the CD will be for 120 days. The 4.05% Annual Percentage Yield (APY) is applicable to 120-day Standard CDs (i.e. 4 months). A minimum of $1,000 is required to open the CD, and a minimum of $1,000 is required to maintain it. All funds must be deposited in a single transaction. Penalties may be assessed for early withdrawals. Other restrictions may apply. This offer and interest rate are subject to change at any time without notice.

    2 The Federal Deposit Insurance Corporation (FDIC) is a US government corporation that insures the money in your accounts up to $250,000. Our CDs, checking accounts, savings accounts, and money market accounts are insured up to the maximum $250,000 per depositor, as allowed by law.

    3 Flex CD: Months 0 – 7: You may withdraw all your money, including interest earned, without any penalties, any time after the first 7 days following the date you fund your account. Months 8 - 15: Your penalties will be $25 plus 3% of the amount withdrawn.

    † APY = Annual Percentage Yield

    CD rates are fixed for the term of the CD. Unless otherwise stated, penalties are assessed for early withdrawals from Regular CDs. We reserve the right to limit the amount of deposit. Penalties may reduce earnings.

    The rates above are applicable only to personal accounts. For business and other non-personal account interest rate information, please contact our ExpressBank.