Zions Bank business CD rates
Zions Bank offers 10 business CD terms. The highest rate is 3.05% APY on the 3 months CD, which needs $1,000 to open. Rates were last checked November 9, 2026.
Rates by term
| Term | APY | Open with | Early withdrawal |
|---|---|---|---|
| 1 month | 0.10% | $1,000 | A penalty applies; the bank does not publish the amount |
| 3 months | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
| 6 months | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
| 9 months | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
| 1 year | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
| 18 months | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
| 2 years | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
| 3 years | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
| 4 years | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
| 5 years | 3.05% | $1,000 | A penalty applies; the bank does not publish the amount |
APY means the yearly yield with compounding. The bank can change rates on new CDs at any time. A CD you already hold keeps its rate until the term ends.
How it works
- Minimum to open
- $1,000
- Maximum deposit
- Not published
- Interest
- Compounded daily
- Rate type
- Fixed
- At the end of the term
- Not published
- Adding money later
- Not published
- How to open
- Not published
- Deposit insurance
- Insured by the FDIC
What the bank says about early withdrawal: A penalty may be imposed for withdrawals before maturity. Specific penalty information will be disclosed at Account opening or upon request.
- The rates shown are for Idaho and Utah.
- Jumbo CDs are opened in person.
How we checked: this bank's pages block automated reading, so the rates were read in a regular browser session on November 9, 2026. We cannot re-check them automatically, so they stay up for a shorter time.
Check these before you open
- Confirm today's rate with the bank. Rates change without notice.
- Make sure your type of business can open one.
- Write down the maturity date and the number of days you get to withdraw without a penalty.
- Read the bank's account agreement.
Common questions
What are Zions Bank's business CD rates?
1 month 0.10%, 3 months 3.05%, 6 months 3.05%, 9 months 3.05%, 1 year 3.05%, 18 months 3.05%, 2 years 3.05%, 3 years 3.05%, 4 years 3.05%, 5 years 3.05% APY, as of November 9, 2026.
How much does it cost to open a Zions Bank business CD?
The page we read says $1,000 to open.
What if I take money out of a Zions Bank business CD early?
The bank says: A penalty may be imposed for withdrawals before maturity. Specific penalty information will be disclosed at Account opening or upon request.
Where this comes from
Each fact was copied from the bank's own page. Where the bank allows it, we check it against the page again on a schedule.
- https://www.zionsbank.com/business/business-savings/business-cd/
Used for: Minimum to open, Monthly fee, How interest is paid, Rate type, Deposit insurance, Rate (APY)
- https://www.zionsbank.com/content/dam/zbna/disclosures/shared/general/depositagreement.pdf
Used for: Early withdrawal penalty