Business Certificates

Lock in a rate and earn guaranteed returns.

Business
Business Certificates

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

Business Certificates
Term	Minimum Balance to Earn APY	APY
Rates effective 08/22/2026
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to certificates. *The 11-month money certificate special 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 11-month Special*	Minimum Balance to Earn APY $1,000	APY 4.02%
Term 1-Year	Minimum Balance to Earn APY $1,000	APY 3.40%
Term 2-Year	Minimum Balance to Earn APY $1,000	APY 3.40%
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%

You might also want to explore:

Business Money Market Accounts

With the Business Green Money Market account, 100% of the money you deposit goes directly to funding renewable and energy efficiency projects and purchases for our members.

Learn more

Business Savings Accounts

We know those nickels and dimes add up. Whether you’re just starting up or have deep local roots, let’s make sure your earnings go in your pocket like they’re supposed to.

Learn more

Open a Business Certificate

You can apply for our business savings products by completing our fillable PDF form (click Apply Now below to get started) and mailing it or dropping it off at any branch location along with the following documentation: registration and formation documents from the Secretary of State, copy of valid photo ID for all signers, and your EIN confirmation or tax returns.

Get started

Apply now

Talk to a loan officer

Meet the Business Team

Get in touch

Email or call us

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