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Business Certificates

Increase your savings potential.

Open an account

Safe, secure, and federally insured

Offering compounded dividends that are credited monthly, a Business Certificate is a great way to start your business investment portfolio.

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    Low Minimum Deposit

    Certificates are a great savings vehicle for funds you don’t need immediate access to. You can open any Business Certificate with $1,000.

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    Higher APY

    Certificates generally earn a higher annual percentage yield than regular savings accounts. Plus, you can reinvest or withdraw (in the form of check) the dividends you are earning each month.

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    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 1,3

Term

Minimum Balance to Earn APY

APY

APY = annual percentage yield, effective as of 2/1/2024 and reflects the current minimum APY offered. The 9-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

2.27%

Term

9-month special

Minimum Balance to Earn APY

$1,000

APY

5.20%

Term

1-year

Minimum Balance to Earn APY

$1,000

APY

4.50%

Term

2-year

Minimum Balance to Earn APY

$1,000

APY

2.27%

Term

3-year

Minimum Balance to Earn APY

$1,000

APY

2.27%

Term

4-year

Minimum Balance to Earn APY

$1,000

APY

2.27%

Term

5-year

Minimum Balance to Earn APY

$1,000

APY

2.27%

Open a Business Certificate

Complete our fillable PDF form and mail it or drop it off at any branch location.

Complete application
Download form
Questions?
Contact us

Disclosures

1
– Fees may reduce earnings.
3
– Early withdrawal penalties may apply to certificates.