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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.


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


Bump-up option2

This feature lets you "bump up" to a new, higher rate one time if rates increase during your certificate term. This will decrease your initial rate by 0.10%.

Add-on option2

Choose the “add-on” option at the time of account opening and you’ll be able to deposit additional funds at any time. ($500 minimum.) This will decrease your initial rate by 0.10%.

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.3

Calculate your savings

Final Balance

Contributions:     |    Earnings: 
Initial Deposit

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 July 21, 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).

    2One-time optional rate bump-up option and add-on option must be requested at the time of account opening and can be done at an RCU branch or by phone. Feature(s) not available in digital banking. Feature(s) only available during initial term of certificate of deposit.

    3Certificate 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.