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Business CDs

Business CDs

Welcome to PCB - Your Community Bank, where your business is not just an account but a neighbor we cherish and support. Since 1925, we’ve been more than just a financial institution; we are a family of bankers, deeply rooted in Virginia and West Virginia, ensuring your business thrives with the financial backing it deserves. 

Secure and Amplify Your Earnings Effortlessly

Improve your earnings without risking any of your company's cash assets. Simply pick the term and your funds earn a guaranteed fixed rate. By laddering maturity dates, you can add liquidity to your CD investments.

Some features you’ll find with business CDs at PCB include:

  • Higher returns than savings accounts
  • Fixed rates for length of term
  • Flexible terms available
  • Early withdrawal penalties apply

Empowering Local Businesses with Integrity and Care

At PCB, we’re not just bankers but your neighbors and friends. Our commitment to community-centered services means that we are here every season to ensure your business navigates through its financial journey with grace and efficacy. Our team spread across Harrisonburg, Bridgewater, Staunton, Franklin, Petersburg, Moorefield, Wardensville, Marlinton, Beckley, Mount Hope, and Oak Hill, is dedicated to ensuring that your investments with us are not just transactions but a partnership that propels your business forward. Contact us today.


What is a Business CD?

A Business CD (Certificate of Deposit) is like a special savings account where you put in a certain amount of money for a fixed period (the term). In return, we give you a guaranteed interest rate. It’s a safe way to keep and grow your money!

How do Business CDs work?

You deposit a certain amount of money into a Business CD for a chosen term (like six months or one year). During this time, your money earns interest at a fixed rate. Once the term ends, you get back your initial deposit plus the interest earned.

What does "laddering maturity dates" mean?

Laddering means having different CDs that mature at different times. It helps you access your funds at various times without withdrawing them all at once, which can have penalties.

Are there any risks involved with Business CDs?

No, Business CDs are considered a safe investment because they provide a guaranteed fixed rate of return and are protected up to applicable limits.