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Business Savings Certificates

Grow your business savings at a higher rate

Start a business savings certificate to grow your company's savings with higher dividends compared to other savings accounts.

Overview

Rest easy knowing you’re growing your company’s savings faster and building a brighter future for your business.

With active checking

Earn up to % APY

Standard (without active checking)

Earn up to % APY

Highlights

Free Bump-Up option2

Our free "bump up" offer has been extended through June 30, 2024. Open your certificate in a branch or by phone and ask for the free "bump up" option to be able to request a new, higher interest rate if rates increase during your term.

Free Add-On option3

Available through June 30, 2024, you can request a free add-on option when you open your certificate in a branch or by phone. This allows you to deposit additional funds anytime during your term ($500 minimum).

Flexible term lengths

Choose a certificate with terms ranging from 3 months to 5 years, based on your unique saving goals.

Higher balances earn higher rates

With more funds in your business savings certificate, you can earn higher returns by the time your certificate matures.

Fixed rates

More easily predict your earnings by knowing the dividend rates will remain the same during the term of your business savings certificate.

Good to know

Minimum balance requirements

A minimum balance of $1,000 is required to open a business savings certificate.

Early withdrawal penalties

The funds cannot be accessed until the certificate's term ends. An early withdrawal may be subject to a penalty.4

Calculate your savings

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
$
Rate
%
$
Months

Your hard-earned money is safe

  • 5 star superior rating

    Received Bauer Financial's 5-star Superior rating for strength based on financial data as of June 30, 2023.

  • America's Best Credit Unions icon

    Named one of America’s Best Credit Unions by Newsweek.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Support a bright future for your business by growing its savings at a higher rate

If you're looking for a savings account that can make your business's money work harder, open a business savings certificate today.

  • 1APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective April 13, 2024 and are subject to change. To open, obtain, and maintain the advertised rate for the certificate, you must have a $1,000 deposit and an active checking account at RCU. Active checking is defined as a checking account having three or more transactions per month (excluding telephone teller or dividend posting transactions).

    2Promotion valid through June 30, 2024. Free one-time optional rate bump feature must be requested at the time of account opening and can be done at an RCU branch or by phone. Currently not available in digital banking. This option is only available for a limited time and is available on all savings certificates and savings IRA accounts. You may request a rate increase equal to RCU’s current rates for the same product and term as of the date of request. This feature will not carry over to the renewed product unless you request the feature at renewal, and it is available.

    3Promotion valid through June 30, 2024. Free add-on feature must be requested at time of account opening and can be done at an RCU branch or by phone. Currently not available in digital banking. This option is only available for a limited time and is available on all savings certificates and IRA accounts, except for liquid certificates. Add-on deposits must be $500.00 or more and can be completed at any time during the certificate term. This feature will not carry over to the renewed product unless you request the feature at renewal and it is available.

    4Certificate yields assume dividends remain in the account until maturity; penalty imposed for early withdrawals and is based on the term of the certificate and how many days the certificate has been opened. If funds are withdrawn within 6 days of opening, the penalty will be 7 days’ dividends, and may reduce principal. On a certificate with a 3-month term, the penalty is the lesser of dividends earned or 45 days’ dividends. On a certificate with a 4- to 23-month term, the penalty is the lesser of dividends earned or 90 days’ dividends. On a certificate with a 24-month term or longer, the penalty is the lesser of dividends earned or 180 days’ dividends. Fees may reduce earnings.