We are a new bank and have occasionally gone out on the market to solicit for deposits (nationwide), these would be Certificate of Deposits. 98% of these are businesses, like credit unions or other banks, so how would I risk rate these on my assessment? How about the few that aren't other financial institutions? Or other individuals?

On the one hand, CDs are not usually a high risk product. On the other hand, these accounts are not opened face-to-face.

I would perform my CIP; verify the information (particularly on the ones that aren't banks), and make sure that I have all of the paperwork that is required. And then let it go.

I agree with DQ, and perhaps it goes without saying, but you need to also be sure you're checking the accountholders against the OFAC lists.