Guaranteed Rates for the Full Term

Lock in our highest rates and leave your funds alone to grow. Our short- and long-term Business Certificates will earn you excellent returns for a variety of savings goals.

Fixed-Rate Business Certificates

TermRateAPY
3 Month4.314%4.40%
6 Month4.169%4.25%
12 Month3.928%4.00%
18 Month3.928%4.00%
24 Month3.928%4.00%
24 Month Step-Up3.784%3.85%
36 Month3.928%4.00%
48 Month3.445%3.50%
60 Month3.203%3.25%

Effective Date: December 2, 2024

Step Up to Increase Your Rate

Take advantage of rising interest rates with a Step-Up Business Certificate. Here’s how it works:

  • Open a 24-month term Business Certificate with an initial rate
  • Activate the step-up option when the rate increases
  • You can activate the step-up option once during the 24-month term
  • You have the option to add more funds at the time of the rate increase

Stop by any location to open an account.


How much will you earn?

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This information is provided only as an example. Rates are subject to change, and terms may vary based on your individual circumstances.

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Here's what you'll need to open a UFCU Business account.
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APY = Annual Percentage Yield

* Dividends are calculated by the daily balance method.