Business Certificates
Lock in a rate and earn guaranteed returns.
Let’s build a solid foundation for your business
Offering compounded dividends that are credited monthly, a Business Certificate is a great way to start your business investment portfolio. Plus, they’re safe, secured, and federally insured.
Low minimum deposit
You can open any Business Certificate with as little as $1,000.
Higher APY
Certificates generally earn more than regular savings accounts. Plus, you can reinvest or withdraw (in the form of check) the dividends you are earning each month.
Fixed rates and flexible terms
You can count on a fixed rate for the length of your term. Terms range from just three months to five years.
Current rates
|
Term |
Minimum Balance to Earn APY |
APY |
|---|---|---|
| Rates effective 10/12/2024 | ||
|
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to Certificates. *The 7-month certificate will be offered for a limited time and will renew to the 1-year term at maturity. |
||
|
Term 3-Month |
Minimum Balance to Earn APY $1,000 |
APY 0.75% |
|
Term 6-Month |
Minimum Balance to Earn APY $1,000 |
APY 3.00% |
|
Term 7-Month Special* |
Minimum Balance to Earn APY $1,000 |
APY 4.50% |
|
Term 1-Year |
Minimum Balance to Earn APY $1,000 |
APY 4.25% |
|
Term 2-Year |
Minimum Balance to Earn APY $1,000 |
APY 3.50% |
|
Term 3-Year |
Minimum Balance to Earn APY $1,000 |
APY 3.50% |
|
Term 4-Year |
Minimum Balance to Earn APY $1,000 |
APY 3.50% |
|
Term 5-Year |
Minimum Balance to Earn APY $1,000 |
APY 3.50% |
Open a Business Certificate
Complete our fillable PDF form and mail it or drop it off at any branch location.