Business Certificates (CDs)
Lock in higher returns for your business funds with a fixed-term certificate — grow your savings with confidence.
Flexible terms
minimum deposit
predictable growth
transfer dividends
Why Business Certificates Are Right for You
Earns dividends based on your average daily balance – predictable growth for business funds you can commit.
Terms from 6-60 months – choose your timeline and match your business goals.
Minimum opening deposit just $500 – accessible for many businesses.
Options to compound dividends or transfer them to another account – flexible to suit your strategy.
Your Earnings Grow With Your Balance
Certificate Rates For Business CDs
| Term. $500 Minimum Balance. | APY* |
|---|---|
|
6 Month CD |
3.75% |
|
12 Month CD |
3.50% |
|
24 Month CD
|
3.25%
|
|
36 Month CD
|
3.25%
|
|
60 Month CD
|
3.00% |
|
24 Month Jump Up CD |
3.15% |
|
36 Month Jump Up CD |
3.10% |
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Disclosures
*APY(s)=Annual Percentage Yield(s) accurate as of 12/1/2025.
Subject to approval. Certificate minimum opening deposit of $500. Business Certificates earn dividends. For Business Jump Up CDs (Certificate), you may request a one-time dividend rate and APY change to the higher Jump Up share certificate dividend rate and APY of the same term. Once this option is used, or upon first maturity, the “jump up” capability will expire. New dividend rate and APY will apply to the remainder of term after the jump option is exercised. At maturity the certificate will renew for a like term at that current APY. Early withdrawal penalties may apply. Early withdrawals, fees, and other conditions could reduce the earnings on the account. Certificate will renew at prevailing rate upon maturity. Credit Union Membership required. Rates subject to change. Certain restrictions may apply. Federally insured by NCUA.