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.

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Joe, Affinity Plus Member

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

MyPlus Rewards™

Earn 4 MyPlus Rewards points a month per $1,000 in average daily savings balances.

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 service specialist.

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.

Josh, an Affinity Plus member, on a purple background.
Josh, Affinity Plus Member

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.