Business Certificates
Safe, secure way to yield higher returns
based on higher balances.
Terms: 3 – 60 months
Minimum to Open: $500
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.
- Minimum opening deposit of $500, excluding jumbo certificate accounts
- Competitive rates and flexible term options
- NCUA insured up to $250,000
- Can be used as loan collateral
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.
Calculators
Explore Other Ways to Reach Your Business Goals
Business Savings
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.
Business Checking
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.
Learning Center
-
View More Resources for Businessbusiness man looking at plans on a deskLearn More
5 Advantages to Starting Your Business with a Plan
Vital to your success, a business plan serves as the framework for your organization.Budget reports on a deskLearn MoreBudgeting and Forecasting for Your Business
Here are a few questions that can help you get started on building a solid budget and forecast for your business. -
View More Resources for BorrowingHanding over car keysLearn More
Buying a Car from a Private Seller? Here’s What You Need to Know
Here are some tips for buying a car from a private seller that protect you from buying a lemon.Female college student holding booksLearn MoreAn Easy Guide to Student Loans
Here are five tips to help you get a better understanding of student loans. -
View More Resources for Fraud & Securitymobile photo cyber security montageLearn More
National Consumer Protection Week is Here
From March 3 - 9, join us as we raise awareness on fraud, scams and the tips to avoid them during National Consumer Protection Week.A heart with the words scam in the middle of itLearn MoreValentine's Day Romance Scams
Here are a few ways to protect yourself from romance scams. -
View More Resources for Home Financingkitchen remodel sketchLearn More
What is Home Equity?
Home equity is the difference between the current market value of your property and any liens, such as the balance owed on the mortgage.Couple looking over house plansLearn MoreIs a Renovation Mortgage Right for You?
Finance both the purchase price of a home, plus the cost of future repairs and/or updates. -
View More Resources for InsuranceMan sitting on living room floor holding dog.Learn More
Your Complete Guide To Renter’s Insurance
Learn about the valuable aspects of financial protection and coverage offered by renter’s insurance.Exterior image of home with storm clouds aboveLearn MoreYour Complete Guide To Homeowners Insurance
Learn how to find coverage options without overpaying for more protection than you need. -
View More Resources for Saving & BudgetingFemale with laptop paying bills onlineLearn More
Building Financial Resilience: Strategies for Overcoming Financial Stress
Take a look at key strategies for overcoming financial stress and building financial resilience.Calendar with page turningLearn MoreSave $1,378 Dollars in One Year
Take the 52-week savings challenge to start building your savings today!
We Are Here To Help
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.