Checking & Savings Business Certificates

Guaranteed returns with flexible terms.

If you’re looking for a safe place to put your hard-earned money, a certificate is a great option. Certificates offer NCUA-insured protection, while earning your business a higher dividend rate than traditional business savings accounts. Lock in one or more certificates today and turn your savings into earnings. Simply pick your term, and your funds earn a guaranteed fixed rate.

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Tiered Rates

The more you save, the more you earn. Rates are based on the amount you deposit and for how long.1

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Predictable Returns

Because this account is not subject to market risks, your money will earn fixed, predictable returns.1

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Your Terms

Choose your term – from 3 months to 48 or more – and let your certificate go to work for you.

Current Business Certificate Rates

TermAPYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account.
3 – 5 Months0.10%
6 – 11 Months0.15%
12 – 23 Months0.25%
24 – 35 Months0.40%
36 +0.45%

Terms & Fees

TermFee
Low minimum opening deposit$1,000
Minimum daily balance$1,000+
(your daily balance will depend on the opening deposit and will continue to grow)
Monthly low balance feeNone
Monthly service fee$0

Get Started Now. It's Easy!

We make it easy to get started. Have questions and want to talk? We're here for you.
Call us at 800.456.3000 or visit your local branch.