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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 a higher interest rate than other savings accounts.


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

Earn up to  APY


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 lifetime 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.*

Calculate your savings

Final Balance

Contributions:     |    Earnings: 
Initial Deposit

Your hard-earned money is safe

  • a-plus-stability-rating

    Rated one of 21 strongest credit unions in the US by Weiss Ratings in 2021

  • 4th-healthiest-cu

    Rated 4th healthiest credit union in the US by Glatt Consulting HealthScore in 2020

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.

  • *APY = Annual Percentage Yield. Certificate 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 If funds are withdrawn within 6 days of opening, the penalty will be 7 days’ dividends, and may reduce principal.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.