Business Certificates
Stability for Your Earnings
Put your excess cash to work.
Does your business have a cash surplus? Make it work for you! Invest your extra funds in a Business Certificate1 with great rates and flexible terms. You can lock in an excellent rate, choose from 3-60 month terms, and it only takes $1,000 to get started.
- Dividends compounded and paid monthly1
- Minimum Deposit $1,000
- Terms 3–60 months
- Monthly Fee $0
- Insured up to $250,000
Flexible Business Certificate Terms
Capitalize on rising interest rates2 with one of many certificate options: our Step-Up Business Certificate. It’s simple. Open a 24-month term Business Certificate with an initial rate, then activate the step-up option when the rate increases. You can activate the step-up option once during the 24-month term. You can even add more funds at the time of the rate increase.
Our 12- and 24-month terms carry the highest rates. Need a term that’s less than one year? You can select a 3- or 6-month term and still earn a respectable interest rate.
Looking to guarantee steady earnings over a longer time? Invest in 36-, 48-, or 60-month certificates for stable returns that are protected from changes in the market. Stop by any branch to speak to a representative about opening a Business Banking account today.
Rates
| Term | Rate | APY |
|---|---|---|
| 3 Month | 4.314% | 4.40% |
| 6 Month | 4.169% | 4.25% |
| 12 Month | 3.928% | 4.00% |
| 18 Month | 3.928% | 4.00% |
| 24 Month | 3.928% | 4.00% |
| 24 Month Step-Up | 3.784% | 3.85% |
| 36 Month | 3.928% | 4.00% |
| 48 Month | 3.445% | 3.50% |
| 60 Month | 3.203% | 3.25% |
Related Products and Services
Business Revolving Line of Credit
The UFCU Business Revolving Line of Credit3 provides your business with the cash it needs for temporary gaps in cash flow to cover expenses, inventory, and other obligations.
Business Auto Loans
Whether you’re purchasing new or used — or looking to refinance — UFCU offers great rates and flexible terms for business vehicles.
1 Must meet eligibility requirements. Certain restrictions apply. Dividends compounded and paid monthly. Dividends are calculated by the daily balance method. A penalty will or may be imposed for early withdrawal.
2 Rates subject to change.
3 Subject to credit eligibility.