Business Certificate Accounts

Move your business forward by earning a high rate of return on NCUA insured savings. Competitive rates on higher balances and longer term periods.

Business Certificates

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 
guaranteed returns

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.

Visit a Branch to Open a Business Certificate Account and Start Saving Today!

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.

Show Me How






Explore Other Ways to Reach Your Business Goals

Business Savings

Business Savings
Start saving for future business expenses and materialize the most ambitious aspirations.

LEARN MORE


Tiered Money Markets

Tiered Money Markets
Convenient way for you to maximize business earnings while maintaining flexibility. Higher balances earn higher interest.

LEARN MORE


Business Checking

Business Checking
Manage payables and receivables with a simple, easy-to-use business checking account.

LEARN MORE



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.


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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.