Safe, secure way to yield higher returns
based on higher balances.
Terms: 3 – 60 months
Minimum to Open: $500
Flex Business Certificates1
Based on market fluctuations with
no risk to principle.
Term: 12 months
Minimum to Open: $7502
Jumbo Business Certificates
Fixed-rate options with
Terms: 3 – 60 months
Minimum to Open: $50,000
Save More of What You Make and Build Your Profits
Dividends compound daily and gains are credited monthly to our certificate accounts.
Check Out Our Business Certificate Account Rates
Maintain Elasticity With Multiple High-Yield Certificates
Discover the benefits of a laddering strategy.
Stagger the maturities of your certificate accounts and free up cash flow when you need it most.
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.
Certificate account laddering is a great strategy to avoid putting all of your eggs into one basket.
Consider this example of opening five $5,000 certificate accounts instead of one $25,000 certificate account:
- Year One: Open 5 certificate accounts, each for $5,000 for 1, 2, 3, 4, and 5-year terms.
- Year Two: When the 1-year comes due, open another 5-year.
- Year Three: When the 2-year comes due, open another 5-year.
And so on, so that you essentially have a certificate account maturing every year.
With the above strategy or "laddering", you’ll have access to some of your money at shorter intervals while still being able to take advantage of higher interest rates offered on longer term certificate accounts. You can also avoid unnecessary penalties that occur from cashing out longer-term certificates before maturity. If you need quick access to your funds, you’ll have an account maturing every year that you could choose to reinvest or put into a checking or savings account.
Explore Other Ways to Reach Your Business Goals
Start saving for future business expenses and materialize the most ambitious aspirations.
Tiered Money Markets
Convenient way for you to maximize business earnings while maintaining flexibility. Higher balances earn higher interest.
Manage payables and receivables with a simple, easy-to-use business checking account.
Your Money Is Protected
Accounts at HVCU are Federally Insured for up to $250,000. Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Visit mycreditunion.gov to learn more about your Share Insurance Coverage.
Important Legal Disclosures & Information
Your accounts insured by the National Credit Union Share Insurance Fund to at least $250,000. Visit mycreditunion.gov to learn more about your Share Insurance Coverage and to access resources including a Share Insurance estimator tool, publications, videos, and more.
The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.
1Disclosed are the Dividend Rate, APY, and minimum opening balance to earn the stated APY for Flex Certificate Accounts. The variable Dividend Rate and APY are effective 7/1/23 through 9/30/23. 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 is subject to change after account opening. IRA and Jumbo Flex Certificate Accounts earn the same Dividend Rate and APY as regular Flex Certificate Accounts. A substantial penalty will be imposed for early withdrawal.
2The 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.