Business CD Features

You worked hard to build your businesses savings, but don't stop there. Our attractive Business CD rates let you earn a higher interest rate than you would on a savings account, allowing you to grow your money faster!

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Attractive CD rates.
Our competitive Business CD rates help you reach your savings goals.
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Low minimum deposit.
Open your Business CD with a low minimum deposit of only $500.
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Flexible terms.
Our Business CDs offer investment terms from six months to five years.
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Guaranteed dividends.
Your earnings are guaranteed as long as your funds remain for the full CD term.1
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Customize your savings.
Select your investment amount and term. Create a savings plan that works for you and your business.

Business Certificates

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A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account. For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends. 12 months, will equal 90 days' dividends. Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends. Equal to or greater than 36 months, will equal 365 days’ dividends.

Certificate Rates
Description
Dividend Rate
Annual Percentage Yield (APY)
Minimum Balance
Description
6 Month Certificate
Dividend Rate
0.95%
Annual Percentage Yield (APY)
0.95%
Minimum Balance
$500
Description
1 Year Certificate
Dividend Rate
1.10%
Annual Percentage Yield (APY)
1.11%
Minimum Balance
$500
Description
2 Year Certificate
Dividend Rate
1.20%
Annual Percentage Yield (APY)
1.21%
Minimum Balance
$500
Description
3 Year Certificate
Dividend Rate
1.35%
Annual Percentage Yield (APY)
1.36%
Minimum Balance
$500
Description
4 Year Certificate
Dividend Rate
1.45%
Annual Percentage Yield (APY)
1.46%
Minimum Balance
$500
Description
5 Year Certificate
Dividend Rate
1.50%
Annual Percentage Yield (APY)
1.51%
Minimum Balance
$500
Effective November 14, 2022

A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account. For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends. 12 months, will equal 90 days' dividends. Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends. Equal to or greater than 36 months, will equal 365 days’ dividends.

Business CDs for Every Goal

  • Near-future purchase.

    Short-term Business CDs allow your money to grow but will still be available when you need it for an upcoming purchase.

  • Building short-term wealth.

    Attractive short-term Business CD rates may allow you to earn the extra money you need to make a larger investment in the future.

  • Long-term savings.

    Opening a Business CD with a longer term (up to 5 years) generally offers a higher guaranteed rate of return on your savings.

  • Federally insured.

    No matter what your savings goal may be for your business, feel confident that your savings is federally insured by the National Credit Union Administration.

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Opening up a Business CD is easy!
Opening a Business CD takes only a few minutes. Apply 24/7 from the comfort of your business or home!
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Have a Question?

Frequently Asked Questions

What is the minimum deposit requirement to open a certificate?

The minimum balance required is $500. 

What is the penalty for early withdrawal from a certificate?

A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account.

  • For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends.
  • 12 months, will equal 90 days' dividends.
  • Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends.
  • Equal to or greater than 36 months, will equal 365 days’ dividends.
How and where can I open a certificate?

If you are interested in opening a certificate, please visit us at any of our branches and we will be happy to assist you!

How can I make changes to my certificate?

Contact us today online or in the branch to make any changes you need to your certificate. 

Disclosure

1Business Checking Account required. A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account. For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends. 12 months, will equal 90 days' dividends. Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends. Equal to or greater than 36 months, will equal 365 days’ dividends.

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