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Business Certificates

Business certificates make the wait worth it with higher rates and guaranteed returns

Call 800-341-9911 ext. #3040 or visit an office

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3.97% 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!

Overview and Benefits

Business certificates are a great way to set money aside and earn a great rate. 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.

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!

Term

Dividend

APY

Open Business Account

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

What are business certificates at Royal Credit Union?
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.

What terms are available for business certificates?
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.

Is there a minimum balance required to open a business certificate at Royal Credit Union?
No. There is no minimum balance required to open a business certificate so you can open a business certificate with any amount of funds.

Can I withdraw funds early from a Royal Credit Union business certificate? 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.