skip to main content
Mobile Search - How can we help you?

Business Certificate Accounts

If your business has money to put aside for future needs, consider a certificate account. With a minimum opening deposit of $500 and terms starting at three months, you can maximize your business earnings and structure a short or long term savings plan.

  • Investors Bullet 4 A
    Low minimum deposits make certificate accounts affordable for a variety of investors.
  • Tiered Money Market Accounts Bullet 4 A
    Earns higher yields than savings, checking, or tiered money market accounts
  • My Credit Union Gov Bullet 4 A
    Your accounts are insured by the National Credit Union Share Insurance Fund to at least $250,000. Visit to learn more about your Share Insurance Coverage.

Get Started

Contact a Branch Manager to Open an Account

Important Info About Opening a Business Account for a Legal Entity

Fixed-Rate Certificate Accounts

  • Flexible terms of 3, 6, 12, 24, 36, 48, and 60 months
  • $500 minimum deposit
  • Higher APYs for opening deposits of $50,000 and $100,000
  • Dividends compounded daily and credited monthly
  • Can be used as collateral for a Business Pledge Loan equal to the certificate account’s amount and term
Fixed Rate Certificate Accounts
Variable Rate Certificate Accounts

Variable-Rate Flex Certificate Accounts

The true strength of our variable-rate Flex certificate account lies in its ability to keep pace with today’s changing market with no risk to principal.

  • Variable rate tied to the 3-month Treasury Bill1, plus an additional .25%
  • 12-month term
  • $750 minimum deposit

12-Month Business Certificate Account Rate

Dividend Rate
Minimum to Open

View all rates and disclosures

Certificate Account Instructions Form

Use our certificate accounts instructions form to manage the funds in a maturing certificate account or to instruct us how you’d like your certificate account dividends distributed.

Certificate Account Laddering

By laddering, or staggering your certificate account maturity dates and amounts, you can ensure maturities for more liquidity in case of emergency or projected need. Laddering works to your benefit by helping you avoid penalties that occur from cashing out a certificate account before its maturity. Explore Laddering

Useful Resources

Wealth Management at Hudson Valley Credit Union is dedicated to helping our business members pursue their financial goals. As a local organization, they understand the challenges hard working members face as they grow their businesses, ensure stability for their employees, and prepare for their own retirement.


1 The minimum to open a 12-month Flex Certificate Account and earn the stated APY is $750. The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate on the last Thursday of each quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate subject to change after account opening. Fees or other conditions could reduce earnings on the account. Substantial penalty imposed for early withdrawal.