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 rates11 months2
As high asCalculate your monthly savings4
Final Balance
Contributions: | Earnings:Stay flexible
Maintain access to your money, with low early withdrawal penalties based on certificate length. Business Certificates can also be pledged to commercial loans to reduce interest rate costs.
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!
Great personal service. Best online banking, especially for business use.
-
1
Schedule an appointment
Call or use our online system to schedule an appointment.
-
2
Meet with a team member
Our experts can assist you in-person or virtually.
-
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.
-
1 $1,000 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
2 11-month certificate will renew to a 12-month term if not withdrawn. This limited-time certificate promotion may be modified or terminated without notice at the credit union’s discretion. Penalty will be imposed for early withdrawal.
3 APY is the Annual Percentage Yield. The stated APY is effective as of January 18, 2025 and is subject to change at any time. Fees may reduce earnings.
4 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 |
|---|---|---|
|
11-Month Promotional Certificate |
$ |
|
|
11-Month Promotional Certificate |
$ |
|
Rates effective as of: January 18, 2025
Business Short-Term Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
Basic 3 Month Share Certificate |
$1,000.00 |
|
|
Basic 3 Month Share Certificate |
$100,000.00 |
|
|
Basic 6 Month Share Certificate |
$1,000.00 |
|
|
Basic 6 Month Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
BusinessPlus Certificate rates
| Product | Minimum balance | APY |
|---|---|---|
|
BusinessPlus 12 Month Share Certificate |
$1,000.00 |
|
|
BusinessPlus 12 Month Share Certificate |
$100,000.00 |
|
|
BusinessPlus 24 Month Share Certificate |
$1,000.00 |
|
|
BusinessPlus 24 Month Share Certificate |
$100,000.00 |
|
|
BusinessPlus 36 Month Share Certificate |
$1,000.00 |
|
|
BusinessPlus 36 Month Share Certificate |
$100,000.00 |
|
|
BusinessPlus 48 Month Share Certificate |
$1,000.00 |
|
|
BusinessPlus 36 Month Share Certificate |
$100,000.00 |
|
|
BusinessPlus 60 Month Share Certificate |
$1,000.00 |
|
|
BusinessPlus 60 Month Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
BusinessBasic Certificate rates
| Product | Minimum balance | APY |
|---|---|---|
|
BusinessBasic 12 Month Share Certificate |
$1,000.00 |
|
|
BusinessBasic 12 Month Share Certificate |
$100,000.00 |
|
|
BusinessBasic 24 Month Share Certificate |
$1,000.00 |
|
|
BusinessBasic 24 Month Share Certificate |
$100,000.00 |
|
|
BusinessBasic 36 Month Share Certificate |
$1,000.00 |
|
|
BusinessBasic 36 Month Share Certificate |
$100,000.00 |
|
|
BusinessBasic 48 Month Share Certificate |
$1,000.00 |
|
|
BusinessBasic 48 Month Share Certificate |
$100,000.00 |
|
|
BusinessBasic 60 Month Share Certificate |
$1,000.00 |
|
|
BusinessBasic 60 Month Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
BusinessPlus Bump Up Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
BusinessPlus 24 Month Bump Up Share Certificate |
$1,000.00 |
|
|
BusinessPlus 24 Month Bump Up Share Certificate |
$100,000.00 |
|
|
BusinessPlus 36 Month Bump Up Share Certificate |
$1,000.00 |
|
|
BusinessPlus 36 Month Bump Up Share Certificate |
$100,000.00 |
|
|
BusinessPlus 48 Month Bump Up Share Certificate |
$1,000.00 |
|
|
BusinessPlus 48 Month Bump Up Share Certificate |
$100,000.00 |
|
|
BusinessPlus 60 Month Bump Up Share Certificate |
$1,000.00 |
|
|
BusinessPlus 60 Month Bump Up Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
BusinessBasic Bump Up Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
BusinessBasic 24 Month Bump Up Share Certificate |
$1,000.00 |
|
|
BusinessBasic 24 Month Bump Up Share Certificate |
$100,000.00 |
|
|
BusinessBasic 36 Month Bump Up Share Certificate |
$1,000.00 |
|
|
BusinessBasic 36 Month Bump Up Share Certificate |
$100,000.00 |
|
|
BusinessBasic 48 Month Bump Up Share Certificate |
$1,000.00 |
|
|
BusinessBasic 48 Month Bump Up Share Certificate |
$100,000.00 |
|
|
BusinessBasic 60 Month Bump Up Share Certificate |
$1,000.00 |
|
|
BusinessBasic 60 Month Bump Up Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
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.
Open Account
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.