Earn more for your business
Lock in a great rate to deliver more returns, with a term and amount that works for you.
No monthly service charge
Skip the fees, with no monthly service charges on business certificates.
Earn dividends
Receive dividends quarterly.
Higher rates
Earn higher rates than many checking or savings accounts.
Flexible terms
Find a term that works for you, with options from 3 to 60 months.
Low initial deposit
Open a Business Certificate with just a $1,000 minimum initial deposit.1
Friendly service
Visit us at a branch, by phone, or online! You’ll enjoy our friendly member-focused service.
Today's rates
View more rates5 months
As high as % APY2Calculate your earnings3
Final Balance
Contributions: | Earnings:Lock in a great rate
With a Business Certificate, you can lock in a higher rate than many checking or savings accounts offer. Start with just $1,000!
Smart way to borrow
Business Certificates can be pledged to commercial loans to reduce interest rate costs.
Great personal service. Best online banking, especially for business use.
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1
Schedule an appointment
Call or use our online system to schedule an appointment.
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2
Meet with a team member
Our experts can assist you in-person or virtually.
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3
Open your Business Certificate and start saving
Earn dividends until the certificate reaches maturity.
Have questions? We're here to help!
Give your business a boost
Put your money to work for you. Grow your savings with a Business Certificate.
Disclosures
1 $1,000 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
2 APY is the Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the certificate. The stated APY is effective as of December 30, 2024 and is subject to change at any time. Fees may reduce earnings.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.
Membership required and subject to account requirements.
Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.
Rates
Promotional Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
5 Month Share Certificate |
$1,000.00 |
4.30 |
|
13 Month Share Certificate |
$1,000.00 |
4.10 |
Business Short-Term Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
Basic 3 Month Share Certificate |
$1,000.00 |
1.25 |
|
Basic 3 Month Share Certificate |
$100,000.00 |
1.25 |
|
Basic 6 Month Share Certificate |
$1,000.00 |
2.00 |
|
Basic 6 Month Share Certificate |
$100,000.00 |
2.00 |
BusinessPlus Certificate rates
| Product | Minimum balance | APY |
|---|---|---|
|
BusinessPlus 12 Month Share Certificate |
$1,000.00 |
3.00 |
|
BusinessPlus 12 Month Share Certificate |
$100,000.00 |
3.10 |
|
BusinessPlus 24 Month Share Certificate |
$1,000.00 |
2.50 |
|
BusinessPlus 24 Month Share Certificate |
$100,000.00 |
2.60 |
|
BusinessPlus 36 Month Share Certificate |
$1,000.00 |
2.40 |
|
BusinessPlus 36 Month Share Certificate |
$100,000.00 |
2.50 |
|
BusinessPlus 48 Month Share Certificate |
$1,000.00 |
2.60 |
|
BusinessPlus 48 Month Share Certificate |
$100,000.00 |
2.70 |
|
BusinessPlus 60 Month Share Certificate |
$1,000.00 |
2.60 |
|
BusinessPlus 60 Month Share Certificate |
$100,000.00 |
2.70 |
BusinessBasic Certificate rates
| Product | Minimum balance | APY |
|---|---|---|
|
BusinessBasic 12 Month Share Certificate |
$1,000.00 |
2.15 |
|
BusinessBasic 12 Month Share Certificate |
$100,000.00 |
2.25 |
|
BusinessBasic 24 Month Share Certificate |
$1,000.00 |
2.10 |
|
BusinessBasic 24 Month Share Certificate |
$100,000.00 |
2.20 |
|
BusinessBasic 36 Month Share Certificate |
$1,000.00 |
2.00 |
|
BusinessBasic 36 Month Share Certificate |
$100,000.00 |
2.10 |
|
BusinessBasic 48 Month Share Certificate |
$1,000.00 |
2.20 |
|
BusinessBasic 48 Month Share Certificate |
$100,000.00 |
2.30 |
|
BusinessBasic 60 Month Share Certificate |
$1,000.00 |
2.20 |
|
BusinessBasic 60 Month Share Certificate |
$100,000.00 |
2.30 |
BusinessPlus Bump Up Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
BusinessPlus 24 Month Bump Up Share Certificate |
$1,000.00 |
2.35 |
|
BusinessPlus 24 Month Bump Up Share Certificate |
$100,000.00 |
2.45 |
|
BusinessPlus 36 Month Bump Up Share Certificate |
$1,000.00 |
2.25 |
|
BusinessPlus 36 Month Bump Up Share Certificate |
$100,000.00 |
2.35 |
|
BusinessPlus 48 Month Bump Up Share Certificate |
$1,000.00 |
2.45 |
|
BusinessPlus 48 Month Bump Up Share Certificate |
$100,000.00 |
2.55 |
|
BusinessPlus 60 Month Bump Up Share Certificate |
$1,000.00 |
2.45 |
|
BusinessPlus 60 Month Bump Up Share Certificate |
$100,000.00 |
2.55 |
BusinessBasic Bump Up Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
BusinessBasic 24 Month Bump Up Share Certificate |
$1,000.00 |
1.95 |
|
BusinessBasic 24 Month Bump Up Share Certificate |
$100,000.00 |
2.05 |
|
BusinessBasic 36 Month Bump Up Share Certificate |
$1,000.00 |
1.85 |
|
BusinessBasic 36 Month Bump Up Share Certificate |
$100,000.00 |
1.95 |
|
BusinessBasic 48 Month Bump Up Share Certificate |
$1,000.00 |
2.05 |
|
BusinessBasic 48 Month Bump Up Share Certificate |
$100,000.00 |
2.15 |
|
BusinessBasic 60 Month Bump Up Share Certificate |
$1,000.00 |
2.05 |
|
BusinessBasic 60 Month Bump Up Share Certificate |
$100,000.00 |
2.15 |
Features
No monthly service charge
Don't worry about fees hurting your returns. We don't have monthly service charges on business CDs.
Higher rates
Earn more on your CD balance with higher rates than standard checking or savings accounts.
Earn dividends
Put more money back into your account with dividends paid out quarterly.
Flexible terms
Choose a term that works for your business budget. We offer CDs from 3 to 60 months.
Low initial deposit
It doesn't take much to start saving. Open your business CD with just a $1,000 minimum initial deposit.
Business bump up
Choose to "bump up" to a better rate once over the course of your CD to earn even more interest.
Low early withdrawal penalties
If you need to access your money, enjoy low early withdrawal penalties based on the length of your CD.
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