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Lending options tailored for hardworking business owners like you.

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Business Share Certificates

Save on your terms with flexible options.

Grow your money faster with higher yields.

Put Your Business Savings on a Timeline

Rates move. Markets shift. Guessing isn’t a strategy. Business Certificates give your business a predictable way to put excess cash to work while locking in a fixed rate for a set term. Choose a timeline that fits your business, lock in your rate, and let your savings grow. With terms designed to fit different goals and cash-flow needs, you can make your business reserves work harder while keeping your financial strategy on track.

  • Lock In Your Rate

    Rate stays the same for the entire term.

  • Choose Your Timeline

    Select the term that fits your goal.

  • Start Small

    Big goals don’t have to start big.

  • Stay Disciplined

    Your money stays put so it can grow.

Share Certificates

Lock it in. Know exactly what you’ll earn.

If you have savings ready to put to work, a Share Certificate lets you lock in your rate and know exactly what your money will earn.

Start with $1,0001 
Open your certificate and begin earning right away.

Choose your term 
Multiple fixed terms. Choose from 6, 12, 18, 24, 36, 48, or 60 months.

Know your return upfront2 
Fixed rates mean predictable growth.

Federally insured 
Your savings stay secure. NCUA insured up to $250,000.

Business Share Certificate Rates*

Effective Date: September 1, 2026
Term
Dividend Rate
Annual Percentage Yield
6-Month 3.203% 3.25%
12-Month 3.928% 4.00%
18-Month 3.590% 3.65%
2-Year 3.687% 3.75%
3-Year 2.227% 2.25%
4-Year 2.227% 2.25%
5-Year 2.227% 2.25%
Disclaimers                


¹ Minimum opening deposit of $1,000 required. Minimum balance of $1,000 required to earn dividends and APY. Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 days of dividends if withdrawn within the first seven days of account opening, including the date; or a term-based penalty of 90 days (6 months), 180 days (12-24 months), or 365 days (36-60 months) of dividends. Upon maturity, the certificate automatically renews at the current rate and closest standard term, unless you choose another option. You can withdraw funds without penalty during the 7-day grace period beginning on your maturity date. 

² Dividend rate and APY are fixed for the certificate term and will not change after account opening.

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