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Elevate your business’ savings.
With a Business Certificate from UCU, your savings will earn dividends with a competitive rate steadily and securely for a fixed term.
For a limited time:
Business Growth Certificate
Certificate balance of $10,000 - $99,999
Business Growth+ Certificate
Certificate balance of $100,000+
3.00% APY*
5-month term
Minimum of $10,000
Maximum of $99,999
New money only
3.50% APY1
5-month term
Minimum of $100,000
No maximum
New money only
- Disclosure + -
Already a business banking member? Please call us at 800.UCU.4510 to open a certificate over the phone.
You work hard. So should your business’ savings.
A Business Certificate from UCU offers…
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A competitive rate that will steadily earn your business dividends over a fixed period.
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A guaranteed return once the certificate matures offering a no-risk way to grow savings.
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Customization with a minimum deposit of $10,000 and no maximum.
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Peace of mind as it is federally insured by the NCUA up to $250,000 per depositor.
Other great ways for your business to bank with UCU:
Business Money Market Accounts
Enjoy secure, dependable savings with a business money market account that keeps your funds accessible while earning steady returns.
Business Checking
UCU Business Checking Accounts help you simplify transactions, maximize growth, and let you focus on your business with confidence.
Business Credit Card
A trusted member of your team, equipped to handle your daily business needs.
*APY = Annual Percentage Yield. Rates in effect as of March 16, 2026 The APY rate is based on a dividend rate of 2.960% available only on new money deposited to UCU and is subject to change or end without notice. Minimum opening deposit is $10,000. Maximum opening deposit to receive this rate is $99,999. After the certificate account is opened, additional deposits may not be made to the account. Penalty may be imposed for early withdrawal. Certificate accounts are automatically renewable accounts. The renewal term will be closest regular term to that of the initial term at the dividend rate and APY in effect at that time for such a term. There is a grace period of ten days after maturity. At maturity and during the ten-day grace period that begins on your maturity date, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends ten calendar days later. This account is non-transferable and nonnegotiable. The funds in the account may not be pledged to secure any obligation of an owner, except obligations with University Credit Union. All rates and terms subject to change without notice. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Schedule of Fees and Charges for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510.
1APY = Annual Percentage Yield. Rates in effect as of March 16, 2026. and are subject to change or end without notice. The APY rate is based on a dividend rate of 3.445% available only on new money deposited to UCU. Minimum opening deposit to receive this rate is $100.000. No maximum deposit. After the certificate account is opened, additional deposits may not be made to the account. Penalty may be imposed for early withdrawal. Certificate accounts are automatically renewable accounts. The renewal term will be closest regular term to that of the initial term at the dividend rate and APY in effect at that time for such a term. There is a grace period of ten days after maturity. At maturity and during the ten-day grace period that begins on your maturity date, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends ten calendar days later. This account is non-transferable and nonnegotiable. The funds in the account may not be pledged to secure any obligation of an owner, except obligations with University Credit Union. Rates are accurate as of the last dividend declaration date. Fees may reduce earnings on accounts. Dividends are calculated daily, compounded and paid monthly. Refer to the Business Membership Agreement and Schedule of Fees and Charges for more information or call one of our specialists at 424.320.4700 or call toll-free at 1.800.UCU.4510.