Business Deposit Rates

Current certificate of deposit (CD), savings and checking rates as of January 23, 2026.

Business CD Special Interest Rates

6 Month CD Special1
3.70%APY*
6 Month Community CD Special2
3.75%APY*
View all Rates

Business CD Special Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
6 Month Certificate of Deposit Special13.703.63$1,000$1,000
6 Month Community Certificate of Deposit Special23.753.68$1,000$1,000

Business CD Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
5 Year Certificate of Deposit2.001.98$1,000$1,000
4 Year Certificate of Deposit2.001.98$1,000$1,000
3 Year Certificate of Deposit2.001.98$1,000$1,000
2 Year Certificate of Deposit2.001.98$1,000$1,000
1 Year Certificate of Deposit2.752.71$1,000$1,000
6 Month Certificate of Deposit3.002.96$1,000$1,000
3 Month Certificate of Deposit3.503.44$1,000$1,000

Business Money Market Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
Money Market.10.10$250$0-$24,999.99
Money Market $25,000+.15.15$250$25,000-$49,999.99
Money Market $50,000+.25.25$250$50,000-$$99,999.99
Money Market $100,000+.30.30$250$100,000+

Business Savings Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
NB Business Savings.05.05$10$0

Business Checking Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
NB Business Interest Checking.05.05$50$0

* Annual Percentage Yield (APY)

  • All interest is credited monthly.
  • Interest on your account will be compounded continuously and credited monthly. If you close your account before the monthly statement cycle date, you will forfeit the uncredited interest.
  • Fees can reduce earnings of an account.
  • Interest rates are subject to change at the discretion of Needham Bank.
  • For CDs: a substantial penalty is required if partial or full withdrawal is made before CD maturity.

1. Offer is only available on business accounts opened with new-to-Needham Bank funds. Needham Bank business checking account is required. Offer available in branch only.

2. Offer is only available to 501(c) (3) organizations and opened with new-to-Needham Bank funds. A Needham Bank business checking account is also required. Offer available in branch only.