Certificates of Deposit

Secure Your Savings

Have longer-term savings goals? Put your money securely aside with a small business Certificate of Deposit. With fixed and flexible options, you can lock in a competitive interest rate for a low-risk investment. Choose the term length that's best for your business and let your savings grow steadily.

Account At a Glance

  • Best for businesses wanting long-term, low risk savings
  • Earn a competitive fixed or flexible interest rate1
  • Enjoy automatic renewal for easy management
Spark Business Unlimited Checking
Enjoy unlimited business transactions.

Working Capital Lines of Credit
Get flexible financing for daily business needs.

Full-Service Merchant Services
Accept credit, debit, gift and loyalty card payments.

Cash Flow Management
Manage your income and payments electronically.

Business Benefits

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All business savings accounts come with:

  • Free Online Banking
  • Free Mobile Banking
  • Maturity notices via e-mail and account alerts
  • FDIC insurance3

Explore Your Options

Unfortunately, we don't have a location near you. But the good news is that you can still take advantage of products perfect for Small Business Banking. Check out Spark Business

Find a Location

Meet with a local banking expert to discuss your business goals and needs. Find your closest Capital One Bank location.

Ready to Open an Account?

It’s a cinch. Just visit a Capital One location and talk to a banking professional about your business. To save you time, we’ve created a list of documents to bring with you.

Access Made Easy

Bank Location

In Person icon

Meet with a local banking expert to discuss your business goals and needs.

Find a location


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Manage your business accounts at your convenience.

Learn more about Online Banking


Mobile Icon

Access your accounts on the go via your mobile device.

Learn more about Mobile Banking 

Web access is needed to use Mobile Banking. Check with your service provider for specific fees and charges. Mobile deposit is available only in the U.S. and U.S. Territories.

1 We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the balance plus earned interest in the account each day. Interest is compounded daily on the account balance.
2 A seven (7) day grace period is provided after the certificate is auto-renewed. During the grace period, you may change the principal amount or certificate term or you can redeem the certificate without a bank penalty. Interest will not be earned or paid during the grace period on funds withdrawn or if the certificate is redeemed during that time. After the grace period, we impose a penalty for early withdrawals; this fee could reduce earnings.

3 Subject to FDIC limitations.