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Our fixed rate maintains the value of your investment — fees are applied only if funds are withdrawn prior to maturity date.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 Sepetmber 25, 2023. 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 2.95%	APY** 2.99%
Term 6 month	Dividend Rate 4.45%	APY** 4.55%
Term 8 month Special	Dividend Rate 5.00%	APY** 5.13%
Term 9 month	Dividend Rate 4.45%	APY** 4.55%
Term 12 month	Dividend Rate 4.45%	APY** 4.55%
Term 18 month	Dividend Rate 3.70%	APY** 3.77%
Term 24 month	Dividend Rate 3.45%	APY** 3.51%
Term 36 month	Dividend Rate 3.20%	APY** 3.25%
Term 48 month	Dividend Rate 3.05%	APY** 3.10%
Term 60 month	Dividend Rate 3.05%	APY** 3.10%

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 September 25, 2023. 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 3.00%	APY** 3.05%
Term 6 month	Dividend Rate 4.50%	APY** 4.60%
Term 8 month Special	Dividend Rate 5.00%	APY** 5.13%
Term 9 month	Dividend Rate 4.50%	APY** 4.60%
Term 12 month	Dividend Rate 4.50%	APY** 4.60%
Term 18 month	Dividend Rate 3.75%	APY** 3.82%
Term 24 month	Dividend Rate 3.50%	APY** 3.56%
Term 36 month	Dividend Rate 3.25%	APY** 3.30%
Term 48 month	Dividend Rate 3.10%	APY** 3.15%
Term 60 month	Dividend Rate 3.10%	APY** 3.15%

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 September 25, 2023. 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 3.05%	APY** 3.10%
Term 6 month	Dividend Rate 4.55%	APY** 4.65%
Term 8 month Special	Dividend Rate 5.00%	APY** 5.13%
Term 9 month	Dividend Rate 4.55%	APY** 4.65%
Term 12 month	Dividend Rate 4.55%	APY** 4.65%
Term 18 month	Dividend Rate 3.80%	APY** 3.87%
Term 24 month	Dividend Rate 3.55%	APY** 3.61%
Term 36 month	Dividend Rate 3.30%	APY** 3.35%
Term 48 month	Dividend Rate 3.15%	APY** 3.20%
Term 60 month	Dividend Rate 3.15%	APY** 3.20%

Frequently Asked Questions (FAQ)

Please refer to the guide below for information on required documents for membership with dncuBusiness.

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Yes! dncuBusiness is proud to offer a number of convenient specialty services to our community. Specialty services include:

Cashier’s checks
Debit card / ATM replacements
Debit card international processing
ACH
Remote Deposit Capture
Credit card cash advances
Notary public* (may incur fee)
Document signing
Stop payments and disputes
Reloadable card transactions
Non-member transactions

*All Notarial Acts are performed based upon the sole discretion of the licensed Notary Public of New Mexico.

Notarial Acts we can provide: Acknowledgments, Administer of Oaths and Affirmations, Jurats, and Copy Certifications. Some of the notarial acts that we do provide are subject to change because of our temporary closure of our offices.

Notarial Acts we decline to provide: Wills, POA’s, Surveys, Warranty Deeds or any type of deeds that involve legal property, Divorce Decrees.

Yes, we do. Get all the details on initiating a wire transfer including daily domestic and international deadlines via our Wire Transfers Quick Reference Guide.

Please visit our Rates & Fees page for a comprehensive list of applicable rates and fees.

Contact Us

We’re here to help. Call us at (505) 455-4678 or complete the form below and a dncuBusiness representative will get back to you as soon as possible.

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

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