Business Certificates

Business Deposit Rates

November 03, 2026

Term Minimum Balance to Earn APY Interest Rate APY
Loyalty CDs
10 Month Loyalty Certificate $0.01–$49,999.99 4.07% 4.15%
$50,000–$99,999.99 4.07% 4.15%
$100,000 or more 4.07% 4.15%
Business Certificates of Deposit
6 Month Certificate $0.01 –$49,999.99 3.83% 3.90%
$50,000–$99,999.99 3.83% 3.90%
$100,000 or more 3.83% 3.90%
12 Month Certificate $0.01 –$49,999.99 3.54% 3.60%
$50,000–$99,999.99 3.54% 3.60%
$100,000 or more 3.54% 3.60%
24 Month Certificate $0.01 –$49,999.99 3.73% 3.80%
$50,000–$99,999.99 3.73% 3.80%
$100,000 or more 3.73% 3.80%
36 Month Certificate $0.01 –$49,999.99 3.83% 3.90%
$50,000–$99,999.99 3.83% 3.90%
$100,000 or more 3.83% 3.90%
48 Month Certificate $0.01 –$49,999.99 3.88% 3.95%
$50,000–$99,999.99 3.88% 3.95%
$100,000 or more 3.88% 3.95%
60 Month Certificate $0.01 –$49,999.99 3.92% 4.00%
$50,000–$99,999.99 3.92% 4.00%
$100,000 or more 3.92% 4.00%
2026-11-03 14:36:40

Loyalty CDs

10 Month Loyalty Certificate

Balance $0.01–$49,999.99
Rate 4.07%
Apy 4.15%

Balance $50,000–$99,999.99
Rate 4.07%
Apy 4.15%

Balance $100,000 or more
Rate 4.07%
Apy 4.15%

Business Certificates of Deposit

6 Month Certificate

Balance $0.01 –$49,999.99
Rate 3.83%
Apy 3.90%

Balance $50,000–$99,999.99
Rate 3.83%
Apy 3.90%

Balance $100,000 or more
Rate 3.83%
Apy 3.90%

12 Month Certificate

Balance $0.01 –$49,999.99
Rate 3.54%
Apy 3.60%

Balance $50,000–$99,999.99
Rate 3.54%
Apy 3.60%

Balance $100,000 or more
Rate 3.54%
Apy 3.60%

24 Month Certificate

Balance $0.01 –$49,999.99
Rate 3.73%
Apy 3.80%

Balance $50,000–$99,999.99
Rate 3.73%
Apy 3.80%

Balance $100,000 or more
Rate 3.73%
Apy 3.80%

36 Month Certificate

Balance $0.01 –$49,999.99
Rate 3.83%
Apy 3.90%

Balance $50,000–$99,999.99
Rate 3.83%
Apy 3.90%

Balance $100,000 or more
Rate 3.83%
Apy 3.90%

48 Month Certificate

Balance $0.01 –$49,999.99
Rate 3.88%
Apy 3.95%

Balance $50,000–$99,999.99
Rate 3.88%
Apy 3.95%

Balance $100,000 or more
Rate 3.88%
Apy 3.95%

60 Month Certificate

Balance $0.01 –$49,999.99
Rate 3.92%
Apy 4.00%

Balance $50,000–$99,999.99
Rate 3.92%
Apy 4.00%

Balance $100,000 or more
Rate 3.92%
Apy 4.00%

2026-11-03 14:36:40

Balance
Rate
Apy

1 Loyalty CDs

For all Certificate accounts there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Fixed rate, interest is compounded daily and credited monthly. $500 minimum deposit to open certificates. Cannot add funds to business certificates after account opening.

2 Business Certificates of Deposit

For all Certificate accounts there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Fixed rate, interest is compounded daily and credited monthly. $500 minimum deposit to open certificates. Cannot add funds to business certificates after account opening.

APY (Terminology)

APY = Annual Percentage Yield.