Built by someone with nearly a decade placing institutional CDs with banks and credit unions nationwide. We source the rates that aren't on Bankrate — negotiated, relationship-based, institutional-only CDs from community banks and credit unions that don't advertise publicly. You tell us your term and size. We find what the market doesn't show you.
I spent nearly a decade as a top producer placing institutional CDs with banks and credit unions nationwide. The rates that move serious institutional money aren't on Bankrate. They're negotiated directly with community bank treasury desks, LID credit unions open to nonmember deposits, and newly chartered banks paying a premium to build their balance sheet. That's what we source.
DepositDesk is what I'd build if I were starting that business from scratch today. Faster, leaner, more transparent — and built around the rates that actually matter to treasury teams deploying real liquidity.
Institution names are visible to subscribers. Subscribe below or call us to get the full picture.
| Institution | Type | Term | APY | Min. deposit | Coverage | Access | Notes |
|---|---|---|---|---|---|---|---|
| Brokerage Bank🔒 | Online bank | 12 MO | 4.10% | None | FDIC | Business | Brokered CDs via major platform |
| Regional Bank A🔒 | Community bank | 60 MO | 4.05% | $1,000 | FDIC | BIZ + FI | Best long-term institutional rate today |
| Regional Bank A🔒 | Community bank | 36 MO | 4.05% | $1,000 | FDIC | BIZ + FI | Rare full institutional access at this term |
| SBA Online Bank🔒 | Online bank | 12 MO | 4.00% | None | FDIC | BIZ + FI | SBA-first. Strong FI track record. |
| Credit Union A🔒 | Credit union | 12 MO | 3.82% | $500 | NCUA | BIZ + FI | LID designated. Active FI program. |
| Business Bank A🔒 | Online bank | 12 MO | 3.80% | $2,500 | FDIC | BIZ + FI | Business-first. Treasury desk available. |
| Fintech Bank🔒 | Online bank | 18 MO | 4.00% | $2,500 | FDIC | Business | Business CDs. No FI program. |
| Business Bank A🔒 | Online bank | 24 MO | 3.75% | $2,500 | FDIC | BIZ + FI | Treasury team handles institutional inquiries |
| Regional Bank A🔒 | Community bank | 30 MO | 3.85% | $1,000 | FDIC | BIZ + FI | Flexible treasury programs. |
| Regional Bank A🔒 | Community bank | 42 MO | 3.90% | $1,000 | FDIC | BIZ + FI | Rare at this term. Call us first. |
| Regional Bank A🔒 | Community bank | 48 MO | 3.95% | $1,000 | FDIC | BIZ + FI | Large placements handled by treasury desk. |
| Regional Bank A🔒 | Community bank | 84 MO | 3.75% | $1,000 | FDIC | BIZ + FI | Very few competitors at this duration. |
| Regional Bank A🔒 | Community bank | 120 MO | 3.65% | $1,000 | FDIC | BIZ + FI | 10-year institutional CD. Extremely rare. |
| Retail bank | Online bank | 24 MO | 3.65% | None | FDIC | Retail only | Not available for institutional placement |
What you see above is the public market. What our subscribers get access to is something different entirely — negotiated rates from community banks and credit unions that don't advertise publicly, aren't on Bankrate, and aren't available to retail depositors at any price.
These institutions want one thing: a quiet, reliable source of institutional deposits in the $500K to $10M range. We're that source. And we bring those rates directly to treasury teams who know how to move fast when the right rate appears.
A DepositDesk subscription is a data service. You pay for the rate information. What you do with it is entirely up to you — place it yourself, have your own counsel handle it, or call us to place it on your behalf.
A subscription is a data purchase only. DepositDesk acts as your information provider, not your broker. No broker relationship exists, no brokerage fees apply, and no placement paperwork is required unless you separately engage us to place on your behalf. You're buying intelligence. What you do with it is your business.
Full institution names, APYs, minimums, and eligibility daily. You place everything yourself. We're just your data source.
No broker relationship. No placement fees. No paperwork from us.
Everything in the $99 plan plus your monthly fee is credited dollar-for-dollar against any placement fee when you engage us to place. A $2M placement at 0.05% generates $1,000 — your $199 disappears instantly.
Broker relationship only begins if and when you ask us to place. Your call. Every time.
The less we do, the less you pay. Simple as that. Pick the tier that fits your team and your process — we work however you need us to.
"Just get me the rate and the institution. I'll handle everything from there."
"Get me the rate and connect me with the right person. I'll close it myself."
"Just tell me what you need. I'll sign whatever you put in front of me."
However you want to start — a call, an email, or filling out the form below. We respond the same business day.
The fastest way to get started. Tell us what you need and we'll have rates on the phone before you hang up.
Send your W-9, purchase letter, and beneficial ownership cert to [email protected] with your term and size. We respond same day with matched rates.
Fill out your placement details below and upload your documents. We'll come back with your best available rate within 4 business hours.
Three from you. Three from us. That's the whole packet.
Nearly a decade placing institutional CDs taught me one thing — the best deals happen in a single conversation. Call, email, or send a quick note below. I'll have a rate for you before the end of the business day. No platform. No portal. Just a person who knows this market and picks up the phone.
No spam. No platform. Just a response with rates from a real person.