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Business Certificates
Business certificates make the wait worth it with higher rates and guaranteed returns
4.10% APY* 12-Month Certificate
Royal’s certificates can help you save for all of life’s milestones with no minimum opening balance and guaranteed returns at maturity. Learn More!
Organizations throughout Wisconsin and Minnesota use Royal Credit Union's business certificates to earn a great dividend rate on funds they can set aside for a fixed term. No minimum balance, a variety of terms, and guaranteed returns at maturity make certificates a smart investment for any business!
Locked-In Rates, Guaranteed Returns
- Business certificate rates are locked in for returns you can count on
- Funds are protected from market changes
No Minimum Balance
- Open a business certificate with any amount
Technology Tools
- Our free, secure online banking and mobile app
- 24x7 access to our rcu.org virtual assistant
Get Answers Anytime
- Easy access to our team of business banking experts
- Personalized advice and recommendations
Business Certificate Rates
Our best business certificate rates reward you for saving for the term of your choice!
The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. APY= Annual Percentage Yield.
Frequently Asked Questions
Royal Credit Union business certificates are a way to set money aside and earn a great rate. You leave any amount in a business certificate for the length of time you choose and get your money back plus dividends at the end of the term. Certificate rates are locked in for guaranteed returns you can count on, and funds are protected from market changes.
Royal Credit Union offers business certificate terms ranging from 3 months to 72 months, giving you the flexibility to choose the timeline that best fits your business needs. Whether you're setting aside funds for a short-term goal or a longer-term plan, there's a term to match your strategy.
No. There is no minimum balance required to open a business certificate so you can open a business certificate with any amount of funds.
Business certificates are intended to be held for the full term, and a penalty would be incurred for early withdrawal. Penalties could reduce the earnings and principal on the account.
Royal By The Numbers
Royal is proud to serve businesses of all sizes! Large or small, we have your business banking needs covered.
10,000+
Business Members trust Royal with their business banking needs
27
Convenient office locations across Wisconsin and Minnesota
100%
Access to your money using our digital tools and 40,000+ surcharge free ATMs nationwide
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