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.
Rates1
View all ratesWith active checking
Earn up to  % APYStandard (without active checking)
Earn up to  % APYCalculate your savings
Final Balance
Contributions: | Earnings:Your hard-earned money is safe
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Received Bauer Financial's 5-star Superior rating for strength based on financial data as of June 30, 2023.
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Rated #1 healthiest credit union in California according to Glatt Consulting’s 2023 Credit Union Industry HealthScore
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.
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1APY = Annual Percentage Yield. Certificate yields assume dividends remain in account until maturity, penalty imposed for early withdrawal. Fees may reduce earnings. Rates effective November 28, 2023 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 December 31, 2023. Free one-time optional rate bump feature must be requested at the time of account opening and can be done in online banking, at an RCU branch or by phone. Currently not available on the mobile app. 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 December 31, 2023. Free add-on feature must be requested at time of account opening and can be done in online banking, at an RCU branch or by phone. Currently not available on the mobile app. 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.
Rates
Short Term Certificate Rates
Short term with active checking
12-17 month certificates
Earn up to

%
APY
Short term without active checking
12-17 month certificates
Earn up to

%
APY
Long Term Certificate Rates
Long term with active checking
18-21 month certificates
Earn up to
4.50
%
APY
Long term without active checking
18-21 month certificates
Earn up to
3.50
%
APY
Business certificate application
Not a Member?
Become a Member and open your Business savings certificate. Review our Membership requirements below to determine if your are eligible.
You can become a Member of RCU if you meet any of the following:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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