Certificates Accounts

Business Certificate Accounts are perfect for:

Businesses that have money to invest and want a higher-yield, fixed-term rate.

With a Business Certificate Account, you get:

  • Competitive dividend rates
  • Account options starting at $500
  • Terms ranging from 3 to 60 months
  • Bump, Flex, and Jumbo options available
  • Automatic renewals

Certificate Account Options

Open a certificate with as little as $500.

Bump Certificates¹
A Bump Certificate gives you a one-time option to ‘bump’ your rate higher for the remainder of your term and the option to add to the balance by making an additional deposit.

Flex Certificates2
With a Flex Certificate you have the option to add-on to your balance and bump your rate once per term. Plus, you can choose to make a one-time withdrawal penalty free.

Jumbo Certificates
Jumbo Certificates offer higher dividend rates on balances starting at $100,000, with terms from 6-60 months.

Today's Rates Dividend Rate APY * Minimum Balance
Certificate Accounts
3 months0.100%0.10%$500
6 months0.100%0.10%$500
9 months0.100%0.10%$500
11 months0.150%0.15%$500
12 months0.150%0.15%$500
18 months (Flex)0.200%0.20%$2,500
24 months0.499%0.50%$500
30 months (Flex)0.300%0.30%$2,500
36 months0.747%0.75%$500
36 months (Bump)0.747%0.75%$2,500
48 months0.995%1.00%$500
60 months1.243%1.25%$500
60 months (Bump)1.243%1.25%$2,500
Jumbo Certificates
6 months0.150%0.15%$100,000
9 months0.150%0.15%$100,000
11 months0.200%0.20%$100,000
12 months0.200%0.20%$100,000
18 months0.250%0.25%$100,000
24 months0.549%0.55%$100,000
36 months0.797%0.80%$100,000
60 months1.292%1.30%$100,000
*APY = Annual Percentage Yield; dividends are compounded and credited monthly
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of January 3, 2017

Requires a Sound savings account with a minimum balance of $25. Dividends begin to accrue upon date of deposit and are compounded and credited monthly. If account is closed prior to crediting of dividends, accrued dividends will not be paid. Early withdrawal fees apply and could reduce earnings on the account.

¹Certificate minimum balance is $2,500. Rate Bump: Upon request, the rate will increase once to the rate in effect for the same term Bump Certificate at the time. The new dividend rate will not be applied retroactively. Penalty Free Deposit: One-time additional deposit must be a minimum of $1,000 and cannot make the certificate exceed its maximum balance of $250,000. 

²Add-on option: Minimum addition is $1,000; maximum is $75,000. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum.

Routing #: 325183220

Equal HousingNCUA