Business Term Share Certificates

Grow Your Savings

Explore the benefits of our Term Share Certificates, a financial tool designed to enhance your savings strategy. These certificates provide a secure and reliable means of increasing your earnings by unlocking higher returns on larger balances with our tiered rates, ultimately assisting your small business in achieving its long-term financial goals.

With our Business Term Share Certificates, you have the ability to earn higher dividends on larger account balances with our tiered rates. The dividends you earn each month can be added to the certificate balance or transferred to a different account without penalties.

Features

  • Tiered rates available on most products
  • Guaranteed rates of return
  • High competitive yields
  • Multiple term options
  • Bump-up and Add-on options available
  • Low minimum balance requirements
  • Federally insured up to $250,000 by the NCUA
  • Rate bonus available to qualified members. Contact us for details.

Requirements

  • Must open a Business Savings Account prior to opening

Compare our most popular certificates

Still not sure which is right for you? Select up to three and compare their rates and features to learn more.

Product Pick-A-Term Fixed Rate Certificate Liquid Certificate Bump-Up Certificates Fixed Rate Add-On Certificate Variable Rate Add-On Certificate
Overview

This limited time offer is a great option for a high dividend rate on 3 or 6 month terms.

Some of the highest fixed rates you'll find on federally insured accounts. Our term share certificates224 pay substantially higher dividends than banks. 

You can get the rate of a certificate and still deposit and withdraw funds from it when you need to. The Liquid Certificate224 offers:

This 24-month certificate224 lets you step up to a higher rate if yields rise.225

A high-rate certificate224 with that you can add deposits of any amount — any time.

A high rate certificate224 that you can add deposits of any amount -- anytime!

APY
4.75%
1.21% - 2.66% depending on your term and account balance
1.61% APY
2.06% APY - ​2.16% APY depending on your account balance
1.96% APY - ​2.06% APY depending on your account balance
2.06% APY - ​2.16% APY depending on your account balance
Minimum Balance
$10,000
$1,000
$5,000
$500
$250
$500
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Pick-A-Term Certificate Special

Enjoy a high yield with a 4.75% APY!

Certificate Details

Pick-A-Term Certificates

A limited time offer on our best rate with multiple term options.

Rates are valid as of and are subject to change.

Type Min. Balance Dividend Rate Annual Percentage Yield (APY) Disclaimers
3 Month Pick-A-Term $10,000 4.650% 4.75% C, DDD
6 Month Pick-A-Term $10,000 4.650% 4.75%
9 Month Pick-A-Term $10,000 4.650% 4.75%
12 Month Pick-A-Term $10,000 4.410% 4.50%

Term Share Certificates

Type Min. Balance Dividend Rate Annual Percentage Yield (APY) Disclaimers
6 Month Fixed $1,000 1.203% 1.21% C
$50,000 1.253% 1.26%
$100,000 1.302% 1.31%
12 Month Fixed $1,000 2.041% 2.06% C
$50,000 2.090% 2.11%
$100,000 2.139% 2.16%
12 Month Add-on $250 1.943% 1.96% C, D
$50,000 1.992% 2.01%
$100,000 2.041% 2.06%
12 Month Youth Add-on $50 1.943% 1.96% C, D, O
$50,000 1.992% 2.01%
$100,000 2.041% 2.06%
12 Month Deferred Dividend $500 2.041% 2.06% C, E
$50,000 2.090% 2.11%
$100,000 2.139% 2.16%
13 Month Liquid $5,000 1.598% 1.61% C, K
24 Month Fixed $1,000 2.139% 2.16% C
$50,000 2.188% 2.21%
$100,000 2.237% 2.26%
24 Month Bump-up $1,000 2.041% 2.06% C, M
$50,000 2.090% 2.11%
$100,000 2.139% 2.16%
24 Month Variable Add-on $500 2.041% 2.06% C, D
$50,000 2.090% 2.11%
$100,000 2.139% 2.16%
36 Month Fixed $1,000 2.237% 2.26% C
$50,000 2.286% 2.31%
$100,000 2.335% 2.36%
48 Month Fixed $1,000 2.384% 2.41% C
$50,000 2.433% 2.46%
$100,000 2.482% 2.51%
60 Month Fixed $1,000 2.530% 2.56% C
$50,000 2.579% 2.61%
$100,000 2.628% 2.66%

Open an Account

Schedule an appointment to open a new business account.

Appointment