Business Share Certificates
Safely Invest in Tomorrow While You Focus on Your Business Today5.10% APY*
12-Month Business
Share Certificate
4.75% APY*
15-Month Business
Share Certificate
4.45% APY*
18-Month Business
Share Certificate
Grow Your Assets With
A Business Share Certificate
Investing in your business is essential and so is planning for the future. Our Business Share Certificate requires a minimum $500 deposit for six months to five years. In return, we offer a higher dividend rate than regular savings accounts, maximizing your excess capital.
In today’s fluctuating economy, idle surplus funds can lead to lost earnings and missed opportunities. Instead, opt for a secure Business Share Certificate. Your money is federally insured up to $250,000 per tax ID, so your money is safe and sound while the dividends compound every month.
How Does a Share Certificate Work?
Deposit
Call us at 800.296.4644 to get started and deposit a minimum of $500 with a guaranteed Annual Percentage Yield.
Collect
Collect dividends that are compounded and credited monthly.
Withdraw
At the end of your certificate’s term, withdraw your money plus the dividends you’ve earned, or roll over your earnings into a new certificate.
Business Certificate Rates
| MINIMUM DAILY BALANCE TO OBTAIN APY | TERM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD | |
|---|---|---|---|---|
| $500.00 | 3 Months | 0.797% | 0.80%* | Call 800.296.4644 to get started. |
| $500.00 | 6 Months | 4.889% | 5.00% | Call 800.296.4644 to get started. |
| $500.00 | 9 Months | 3.105% | 3.15%* | Call 800.296.4644 to get started. |
| $500.00 | 12 Months | 4.985% | 5.10% | Call 800.296.4644 to get started. |
| $500.00 | 15 Months | 4.650% | 4.75% | Call 800.296.4644 to get started. |
| $500.00 | 18 Months | 4.362% | 4.45%* | Call 800.296.4644 to get started. |
| $500.00 | 24 Months | 3.445% | 3.50%* | Call 800.296.4644 to get started. |
| $500.00 | 36 Months | 2.325% | 2.35%* | Call 800.296.4644 to get started. |
| $500.00 | 48 Months | 2.423% | 2.45%* | Call 800.296.4644 to get started. |
| $500.00 | 60 Months | 2.472% | 2.50%* | Call 800.296.4644 to get started. |
*Rates shown is Annual Percentage Yield (APY), accurate as of 04/16/2024 and subject to change without notice. Minimum deposit of $500 required. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Dividend rates and APYs are subject to change on the 1st and 16th of every month, as determined by the Board of Directors. Must be a member of Service CU or establish membership with $5 in a Business Savings Account.
Share Certificate Calculator
Use our certificate calculator to see how much your deposit would grow over any of our available terms.
The Service Credit Union Difference
White-Glove Service
Our team of financial experts at Service Credit Union provides personalized guidance to navigate your business financing decisions confidently. Benefit from expert advice tailored to your business’s unique financial needs.
Total Banking Solutions
We offer a range of financial solutions tailored to your business, including business checking, certificates, and financing. Our team is committed to supporting the growth and success of both new and established businesses.
Business Benefits
Benefit from exclusive Service Credit Union perks, including competitive rates and tailored services. Our support includes not just financial products, but also tools for your business’s key financial decisions, such as payroll and payment processing.
