Business > Business Share Certificates

Business Share Certificates

Grow your money on a timeline of your choice

Take your savings to the next level

dncuBusiness share certificates are the reliable choice for business owners who seek predictable returns with minimal risk.

Predictability
There’s no guessing with these returns — know how much the CD will be worth at the close of the term.
Safety
Our fixed rate maintains the value of your investment — fees are applied only if funds are withdrawn prior to maturity date.
Flexibility
Our terms allow you to choose your level of commitment — short, medium or long term.

Share Certificates - Current Rates

Business Certificates - $1,000+ Minimum Balance
Term	Dividend Rate	APY**
DISCLOSURES $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of March 11, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Term 3 month	Dividend Rate 3.50%	APY** 3.56%
Term 6 month	Dividend Rate 3.50%	APY** 3.56%
Term 8 month Special	Dividend Rate 3.95%	APY** 4.03%
Term 9 month	Dividend Rate 3.50%	APY** 3.56%
Term 12 month	Dividend Rate 3.50%	APY** 3.56%
Term 18 month	Dividend Rate 3.35%	APY** 3.41%
Term 24 month	Dividend Rate 3.25%	APY** 3.30%
Term 36 month	Dividend Rate 3.20%	APY** 3.25%
Term 48 month	Dividend Rate 3.10%	APY** 3.15%
Term 60 month	Dividend Rate 3.10%	APY** 3.15%

Business Certificates - $10,000+ Minimum Balance
Term	Dividend Rate	APY**
DISCLOSURES $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of March 11, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Term 3 month	Dividend Rate 3.55%	APY** 3.61%
Term 6 month	Dividend Rate 3.55%	APY** 3.61%
Term 8 month Special	Dividend Rate 4.00%	APY** 4.08%
Term 9 month	Dividend Rate 3.55%	APY** 3.61%
Term 12 month	Dividend Rate 3.55%	APY** 3.61%
Term 18 month	Dividend Rate 3.40%	APY** 3.46%
Term 24 month	Dividend Rate 3.30%	APY** 3.35%
Term 36 month	Dividend Rate 3.25%	APY** 3.30%
Term 48 month	Dividend Rate 3.15%	APY** 3.20%
Term 60 month	Dividend Rate 3.15%	APY** 3.20%

Business Certificates - $100,000+ Minimum Balance
Term	Dividend Rate	APY**
DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of March 11, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Term 3 month	Dividend Rate 3.60%	APY** 3.67%
Term 6 month	Dividend Rate 3.60%	APY** 3.67%
Term 8 month Special	Dividend Rate 4.05%	APY** 4.13%
Term 9 month	Dividend Rate 3.60%	APY** 3.67%
Term 12 month	Dividend Rate 3.60%	APY** 3.67%
Term 18 month	Dividend Rate 3.45%	APY** 3.51%
Term 24 month	Dividend Rate 3.35%	APY** 3.41%
Term 36 month	Dividend Rate 3.30%	APY** 3.41%
Term 48 month	Dividend Rate 3.20%	APY** 3.25%
Term 60 month	Dividend Rate 3.20%	APY** 3.25%

Contact Us

For Business Deposit needs, please call us at (505) 455-5380. All other Business inquiries can be made by appointment, here.

More information on documentation requirements for opening an account with dncuBusiness is available here.

Enjoy all that dncuBusiness offers. Apply today.

APPLY TO DNCU BUSINESS

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CALL DNCU BUSINESS

(505) 455-4678

Disclosures

*APY= Annual Percentage Yield. A penalty may be imposed for Early Withdrawal on any Share Certificate product. Fees May Reduce Earnings on the Account. Dividends will vary based on the amount of money on deposit. The share certificate special term is eight months and at maturity will roll over to our six-month share certificate at our current rates. Offer good for new or existing money. $1,000+ Minimum Balance to obtain APY. Dividends are compounded daily and paid monthly. Rates subject to change. Terms and conditions are subject to change without notice.

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