Higher savings rates help you reach your business's financial goals faster
Earn more from your savings with a Business Share Certificate from SFCU. With better rates than a standard savings account, you can watch your company finances (and your business) grow even faster.
Better Savings Rate
Earn more on your account balance compared to a standard savings account to watch your finances grow.
Dividends Compounded Monthly
Earn more to help your business thrive with dividends compounded every month.
Flexible Terms
Choose a term that works for your business's budget and goals with flexible terms available from 31 days to 60 months.
Low Minimum to Open
It doesn't take much to grow your business savings. Start a Business Share Certificate with just $500 minimum opening balance.
Rates
View ratesCalculate your monthly savings
Let's see what your earnings could be.
Final Balance
Contributions: | Earnings:Earn more to help your business grow
With a Business Share Certificate from SFCU, you can earn better rates on your account balance compared to a standard savings account. That way, you can make your money work as hard as you do to help your business grow!
Choose a term that works for your budget and goals.
Businesses need cash flow to thrive. That's why we offer flexible terms on SFCU Business Share Certificates, so you can pick the exact term that works for your budget. Choose from flexible terms from 31 days to 60 months to suit your goals.
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1
Complete an application
Let us guide you through the application
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2
Make an initial deposit
Open your account with at least a $500 opening balance.
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3
Grow your savings
Sit back and watch your savings grow to maturity.
Have a question? Get in touch with us
Take your business savings to the next level
With a Business Share Certificate from SFCU, you can earn more interest on your account balance compared to standard savings accounts. All you have to do is sit back and watch your money grow!
SFCU cannot open accounts for local governments or businesses/organizations that deposit public and/or municipal funds.
Share Certificates Rates
| Type of Certificate | Term | Minimum Balance to Open | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Fixed Rate |
91 Day |
$500 |
3.203% |
3.25% |
|
Fixed Rate |
91 Day |
$100,000 |
3.445% |
3.50% |
|
Fixed Rate |
6 Month |
$500 |
3.445% |
3.50% |
|
Fixed Rate |
6 Month |
$100,000 |
3.687% |
3.75% |
|
Fixed Rate |
9 Month |
$500 |
3.445% |
3.50% |
|
Fixed Rate |
9 Month |
$100,000 |
3.687% |
3.75% |
|
Fixed Rate - Special |
10 Month |
$500 |
4.169% |
4.25% |
|
Fixed Rate - Special |
10 Month |
$100,000 |
4.41% |
4.50% |
|
Fixed Rate |
12 Month |
$500 |
3.929% |
4.00% |
|
Fixed Rate |
12 Month |
$100,000 |
4.169% |
4.25% |
|
Fixed Rate - Sprout Saver |
12 Month |
$25 |
3.929% |
4.00% |
|
Fixed Rate |
18 Month |
$500 |
3.445% |
3.50% |
|
Fixed Rate |
18 Month |
$100,000 |
3.687% |
3.75% |
|
Fixed Rate |
24 Month |
$500 |
3.203% |
3.25% |
|
Fixed Rate |
24 Month |
$100,000 |
3.445% |
3.50% |
|
Fixed Rate |
30 Month |
$500 |
2.96% |
3.00% |
|
Fixed Rate |
30 Month |
$100,000 |
3.203% |
3.25% |
|
Fixed Rate |
36 Month |
$500 |
2.716% |
2.75% |
|
Fixed Rate |
36 Month |
$100,000 |
2.96% |
3.00% |
|
Fixed Rate |
48 Month |
$500 |
2.716% |
2.75% |
|
Fixed Rate |
48 Month |
$100,000 |
2.96% |
3.00% |
|
Fixed Rate |
60 Month |
$500 |
2.96% |
3.00% |
|
Fixed Rate |
60 Month |
$100,000 |
3.203% |
3.25% |
|
Variable Rate |
12 Month |
$10,000 |
3.929% |
4.00% |
|
Variable Rate |
24 Month |
$10,000 |
3.203% |
3.25% |
|
Variable Rate |
36 Month |
$10,000 |
2.716% |
2.75% |
as of 12/02/2024
APR= Annual Percentage Rate.
APY = Annual Percentage Yield. The APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method.
Variable Rate Certificates - Rates will only change upon your written request. 12 month share certificates will allow for 1 change and 24 or 36 month share certificates will allow for 2 changes during the certificate term.
Share certificate terms of 9 months or less are subject to a 90-day penalty of dividends. Terms of 10 months or more are subject to a 180 day penalty of dividends. Fees may reduce earnings.
Withdrawals, deposits or change of terms can only be done without penalty on or within 5 business days after the maturity date (excluding the Sprout Saver Certificate, which allows deposits).
All rates are subject to change at anytime. Membership Par Value: to establish a new membership at SFCU a minimum of $5.00 (par value) is required to be deposited and maintained in your primary savings.
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