Cash management
Current cash management rates
Put idle business cash to work with tiered yields plus term deposits and CDs. The yield increases automatically as your balance passes each threshold, and you can split your deposit across multiple CD terms.
- Minimum cash deposit $100,000 · minimum CD deposit $25,000
- Yields shown after the program fee for balances under $500,000 — larger balances earn more.
You'll be asked to sign in or create a free account first.
Tiered cash yield
- Below $500,0002.75%
- $500,000 – $1 million3.25%
- $1 – $3 million3.35%
- $3 million and up3.40%
Term deposit & CD rates
Effective September 23, 2026 · Minimum deposit $25,000
| Term | Available yield |
|---|---|
| FlexHold™ 90-day term deposit | 2.75% |
| 5 month (special)Limited time | 3.30% |
| 13 month (special)Limited time | 3.26% |
| 6 month | 3.15% – 3.20% |
| 9 month | 3.20% – 3.30% |
| 12 month | 3.30% – 3.35% |
| 18 month | 3.40% – 3.55% |
| 24 month | 3.50% – 3.60% |
| 36 month | 3.60% – 3.75% |
| 48 month | 3.70% – 3.85% |
| 60 month | 3.75% – 3.90% |
Yields shown after the program fee for balances under $500,000 — larger balances earn more. A referral fee is paid to TaxOptix. Rates are subject to change without notice. Early withdrawal penalties apply.
Quick interest estimate
Illustrative only
Current rate
2.75%
Annual cash yield
Interest gained
$20,625
over 3 years · simple, before tax
Balance
$270,625
principal + interest
Add $250,000 more to reach 3.25%. Estimate assumes the rate holds and is before tax. Rates are subject to change without notice.