Business Certificates of Deposit (CDs)

Secure Your Capital. Command Your Return.

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  • Guaranteed Yield Security
  • Customizable Term Maturity
  • Competitive Terms
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Certainty is a Premium Asset.

Our Business Certificates of Deposit (CDs) provide a low-risk, high-yield environment for your surplus reserves, offering a fixed rate of return that allows for precise financial forecasting with a goal of long-term stability.

 

Get Consistent Growth

By committing your funds for a set duration, you secure a higher dividend rate than standard liquid accounts, creating a robust foundation for your business’s fixed-income strategy.

  • Fixed-Rate Assurance: Your rate is locked at opening and renews automatically upon maturity1

  • Capital Protection: A disciplined investment vehicle that protects your principal while it outpaces traditional savings.

  • Automated Rollover: Maintain your momentum with seamless automatic renewal at maturity, ensuring no gap in your earning potential.

 

Tailored Investment Tiers

We provide entry points for businesses at every stage of wealth accumulation, with specialized structures for high-balance portfolios.

  • Standard Certificates: Accessible growth starting at a $500 minimum.
  • Jumbo Certificates: Premium rates for sophisticated reserves of $100,000 or more.
  • Comprehensive Terms: Select the exact window of time that suits your liquidity needs, from 90 days to 60 months.

 

Streamlined Management

Focus on your operations while your capital works in the background. Our business certificates are designed for "set and forget" efficiency with zero administrative overhead.

  • Zero Maintenance Fees: 100% of your interest stays in your business; we charge no setup or monthly management fees.

  • Professional Oversight: Monitor your certificate’s growth 24/7 through our integrated Business Digital Banking suite.

 

Lock In Your Rate Today

Ensure your business’s idle cash is performing at its peak. Request Info.

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1Rates are not guaranteed at rollover.

The Unlawful Internet Gambling Enforcement Act, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined Regulation GG, unlawful Internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made". As a member of St. Mary's Credit Union, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.