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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.

Dollar Bills

Low minimum deposit

You can open any Business Certificate with as little as $1,000.

Graph

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.

Flexibility

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

Business Certificates

Term

Minimum Balance to Earn APY

APY

Rates effective 12/11/2024

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

4.10%

Term

1-Year

Minimum Balance to Earn APY

$1,000

APY

3.50%

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.

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