Business Certificates (CDs)
Lock in higher returns for your business funds with a fixed-term certificate — grow your savings with confidence.
⭐ Earn 4.15% APY** with our 15-Month CD!
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 | APY* |
|---|---|
|
6 Month CD |
3.70% |
|
12 Month CD |
3.50% |
|
24 Month CD
|
3.60%
|
|
36 Month CD
|
3.70%
|
|
60 Month CD
|
3.80% |
|
24 Month Jump Up CD |
3.50% |
|
36 Month Jump Up CD |
3.55% |
|
15-Month (Promotional Rate)** |
4.15% |
Business Insights and Financial Tips
Small businesses are built on passion, grit, and a lot of determination, but long‑term success takes more than a great idea. Strong small business financial planning is what helps businesses...
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Disclosures
*APY(s)=Annual Percentage Yield(s) accurate as of 10/02/2026.
**The promotional Annual Percentage Yield (“APY”) for this Certificate is 4.15% APY for a 15-month term. This Certificate does not qualify for the relationship dividend rate. To qualify for the promotional APY, the Certificate must be opened between October 2, 2026, and November 30, 2026, and funded with new money, defined as external funds from accounts other than Vantage West Credit Union or affiliate institutions. The promotional APY is effective as of the date the Certificate is opened and will remain in effect for the full 15-month term, provided the Certificate is maintained in accordance with this Addendum and applicable account disclosures.
The minimum opening deposit is $500.00. Additional deposits are not permitted after the Certificate is opened and funded. Early withdrawal penalties apply and may reduce earnings. The maximum deposit for a Certificate opened online is $250,000.00. Please refer to the Business Certificate Disclosure provided at account opening for additional terms and conditions.
At maturity, the Certificate will mature according to the option selected. If automatic renewal is elected, the Certificate will renew into a standard 12-month Certificate at the rate in effect at the time of renewal.
All other terms and conditions are governed by the Business Certificate Disclosure. Vantage West reserves the right to modify or discontinue this promotion at any time without prior notice. Membership required. All accounts are subject to approval, and restrictions may apply. Federally insured by NCUA
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.