Keep business blooming

Business certificates are a great way to set aside money for short-term savings goals with interest rates typically higher than most savings or money market accounts. Certificates let you secure a fixed interest rate over a fixed period of time.


APY32 on 7-month certificate


APY33 on 13-month certificate

Find out if certificates will suit your business needs and saving goals with the information below. If you have questions, our team is ready to assist.

Benefits of business certificates

If you won't need access to your savings for a fixed amount of time, OCCU Certificate Accounts let you earn guaranteed interest throughout your certificate’s term. Time periods range from months to years with flexible maturity options. When your certificate matures, you can choose to renew it or redeem it.

  • Fixed interest and terms from six months to 60 months
  • Flexible maturity options
  • Relationship pricing on 24-month certificates for higher interest rates
  • Bump Up Certificate option

Make the most of your banking needs

Earn more with bump-up certificates

With a bump-up certificate, members can select either a 24-month or 48-month certificate and bump up their rate to match any rate we have, once per product per term. You can also bump up your balance by adding an additional deposit in an amount up to the original deposit amount, once per product per term.

Combine services to meet more of your needs

Receive special pricing and flexible maturity options for 24-month certificates when your business uses more than one product or service from OCCU. 

Find out how OCCU can support your business

32Promotion is for a 7-month CD with an APY of 4.75% or a 13-month CD with an APY of 4.50%. Annual percentage yield (APY) accurate as of 04/01/2024. Minimum balance of $500 to open certificate and obtain APY. Fees may reduce earnings. Early withdrawal penalty may apply. Offer may end at any time, contact OCCU for more details.  

33The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 04/01/2024. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. There is a minimum balance requirement of $100,000 to open the jumbo certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.