business certificates. grow your savings.
A low-risk, no-fuss way to grow your business funds. Earn a higher dividend rate than you would with a traditional savings, in exchange for letting your money sit for a set amount of time.
what you get
Wide Range of Terms
Choose a term that fits your business goals, whether it’s just a few months or up to 5 years.1
Competitive Rates
Earn dividends on your certificate at competitive rates.2
Interest accrues daily and compounds monthly.
Predictable Earnings
Know how much you’ll earn, thanks to the dividend rate you lock in for the whole term.3
certificate account options
Basic Certificate
Pick a term, make your deposit, then let the certificate do the rest.
- $500 minimum balance
- No limit on the amount of your single deposit
- 3 – 60 month terms
Wahoo Certificate
There's no minimum balance, and you get 1 no-penalty withdrawal.
- No minimum balance
- Make an unlimited number of deposits, up to the maximum balance of $25,000
- 12 month term
Certificate Builder
Save with a low minimum-balance requirement and unlimited deposits.
- $100 minimum balance
- No limit on the number or the amount of deposits
- 12 month term
Getting Started is Easy
Not a member yet?
Learn about becoming a business member.
Already a member?
Schedule an appointment and we'll be ready when you are.
Or, you can submit an interest form to connect with a business captain.
Have Questions?
From video calls and chat to secure messaging, there are all kinds of ways to contact us.
business loans
Let us help you grow your business with our flexible credit card and loan options.
Good to Know
1 Certificate accounts automatically renew at the maturity date.
2 The dividend rate and annual percentage yield are fixed for the term of the account.
3 Early withdrawal penalties may apply if you withdraw funds from your account before the maturity date. For Wahoo Certificate accounts, you may make one withdrawal without penalty.
Rules governing these accounts are available upon request.