OCCU Business Certificate Accounts let you earn guaranteed interest throughout your certificate’s term.
Keep business booming
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 a 7-month certificate
APY33 on a New Money 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 4.00%. Annual percentage yield (APY) accurate as of 05/06/2025. Minimum balance of $500 to open certificate and obtain APY. Fees may reduce earnings. Early withdrawal penalty may apply. Federally insured by NCUA. Offer may end at any time, contact OCCU for more details.
3313-month CD with an annual percentage yield (APY) of 4.25%. APY accurate as of 05/06/2025. Minimum balance to obtain APY is $10,000 of new money (not currently on deposit at OCCU). Owner may increase the interest rate once during the term to the current interest rate offered by OCCU on certificates of the same term and required deposit. Your increased interest rate will take effect on the day we process your request. Upon maturity, Certificate Special accounts default to the current 12-month rate and term. In addition, during the initial term of the certificate, you may make one (1) additional deposit up to the original amount of the certificate (note: annual IRA contribution limits apply for IRA accounts). Special offers and rate match offers do not apply. Early withdrawal penalty may apply. Federally insured by NCUA. Offer may end at any time, contact OCCU for more details.
34The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 05/06/2025. 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.