Commercial deposit rates
We are committed to consistently offering some of the most competitive CD and Money Market rates in the country. Grow your money with CFG when you choose one of our favorable savings options.
Rates offered do not apply to personal accounts.
Rates are accurate as of 10/6/2026.
4.46
APY-Annual Percentage Yield
4.05
APY-Annual Percentage Yield
| Account | Minimum Deposit to Open | Minimum Daily Balance to Obtain Annual Percentage Yield (APY) | Interest Rate* | APY | Details |
|---|---|---|---|---|---|
| Money Manager Plus | $1,000 | $1,000 | 3.98% | 4.05% | May add deposits at anytime, check writing allowed, and ATM card issued upon request. |
| Commercial Money Market + ICS® | $250,000 | $250,000 | 3.98% | 4.05% | Click for full details. |
| Cannabis Money Market | $1,000 | $1,000 | 2.96% | 3.00% | May add deposits at anytime, check writing allowed, and ATM card issues upon request. |
| 12 Month CD Online and In Branch | $500 | $500 | 4.37% | 4.46% | No additional deposits after initial deposit. |
| 18 Month CD Online and In Branch | $500 | $500 | 4.41% | 4.50% | No additional deposits after initial deposit. |
| 36 Month CD Online and In Branch | $500 | $500 | 4.31% | 4.40% | No additional deposits after initial deposit. |
| 60 Month CD Online and In Branch | $500 | $500 | 4.31% | 4.40% | No additional deposits after initial deposit. |
| 12 Month CDARS® | $250,000 | $250,000 | 4.23% | 4.31% | See more details and contact us to open. |
| 36 Month CDARS® | $250,000 | $250,000 | 4.17% | 4.25% | See more details and contact us to open. |
| Business Interest Checking | $1,500 | $1,500 – $49,999 | 1.00% | 1.00% | – $1,500 minimum balance to avoid $10 monthly maintenance fee. – $0.25 fee per transaction in excess of 200. – Interest credited monthly. – Interest will not be earned if daily balance falls below $1,500. |
| $50,000 – $99,999 | 1.74% | 1.75% | |||
| $100,000+ | 2.23% | 2.25% | |||
| MAHT – Maryland Affordable | $100 | $100 | 3.22% | 3.27% | |
| IOLTA – Attorney Escrow | $100 | $100 | 3.22% | 3.27% | Recognized as an Honor Roll Bank by Maryland Legal Services Corp. |
CFG Bank reserves the right to decline a request for a deposit account or for a deposit. Additional disclosures by account type below.
Annual Percentage Yield (APY)
Annual Percentage Yield (APY) assumes interest remains on deposit. Withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account.
Money Manager Plus Account
Minimum deposit to open this account is $1,000. You must maintain a minimum balance of $1,000 in the account daily to avoid a $10 monthly maintenance fee.
Minimum balance to obtain the posted APY is $1,000. The rates for the Money Manager Plus Account are variable and subject to change.
Certificate of Deposit Accounts
Minimum amount to open account is $500. A $500 minimum daily balance is required to obtain the Annual Percentage Yield (APY).
Early withdrawal penalties may apply.
Maximum initial funding limit is $500,000. Funding sources available include ACH Funding and Plaid Funding.
CDARS® Accounts
Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. To meet these conditions, deposit accounts are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. The depositor may exclude banks from eligibility to receive its funds. Deposits and withdrawals may be initiated on any business day but sometimes settle on the next business day. Contact us to see whether same-day deposits and same-day withdrawals are available. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi; the IntraFi logo; ICS, and IntraFi Cash Service are registered service marks of IntraFi LLC.
Annual Percentage Yield (APY) is accurate as of 10/6/2026 and is subject to change at any time without notice. Fees could reduce earnings. Not available for brokered deposits or consumer accounts. CFG Bank reserves the right to decline a request for a deposit account or for a deposit. CFG requires a minimum of $250,000 to enroll in our Insured Cash Sweep program. ICS®, Insured Cash Sweep®, is available at no additional cost and subject to eligibility, enrollment, and program terms. Funds placed through ICS are deposited into insured accounts at participating financial institutions and are eligible for FDIC insurance up to applicable limits. Total FDIC insurance coverage may vary based on participation and customer circumstances.
ICS® Accounts
A list identifying IntraFi network banks can be found at www.intrafi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.
Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. To meet these conditions, deposit accounts are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. The depositor may exclude banks from eligibility to receive its funds. Deposits and withdrawals may be initiated on any business day but sometimes settle on the next business day. Contact us to see whether same-day deposits and same-day withdrawals are available. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi; the IntraFi logo; ICS, and IntraFi Cash Service are registered service marks of IntraFi LLC.
Annual Percentage Yield (APY) is accurate as of 10/6/2026 and is subject to change at any time without notice. Fees could reduce earnings. Not available for brokered deposits or consumer accounts. CFG Bank reserves the right to decline a request for a deposit account or for a deposit. CFG requires a minimum of $250,000 to enroll in our Insured Cash Sweep program. ICS®, Insured Cash Sweep®, is available at no additional cost and subject to eligibility, enrollment, and program terms. Funds placed through ICS are deposited into insured accounts at participating financial institutions and are eligible for FDIC insurance up to applicable limits. Total FDIC insurance coverage may vary based on participation and customer circumstances.
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