Business > Business Share Certificates
Take your savings to the next level
dncuBusiness share certificates are the reliable choice for business owners who seek predictable returns with minimal risk.
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Predictability
There’s no guessing with these returns — know how much the CD will be worth at the close of the term.
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Safety
Our fixed rate maintains the value of your investment — fees are applied only if funds are withdrawn prior to maturity date.
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Flexibility
Our terms allow you to choose your level of commitment — short, medium or long term.
Share Certificates - Current Rates
|
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 April 14, 2025. 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. |
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|
Term 3 month |
Dividend Rate 3.50% |
APY** 3.56% |
|
Term 6 month |
Dividend Rate 3.50% |
APY** 3.56% |
|
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% |
|
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 April 14, 2025. 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. |
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|
Term 3 month |
Dividend Rate 3.55% |
APY** 3.61% |
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Term 6 month |
Dividend Rate 3.55% |
APY** 3.61% |
|
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% |
|
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 April 14, 2025. 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 9 month |
Dividend Rate 3.60% |
APY** 3.67% |
|
Term 12 month |
Dividend Rate 3.60% |
APY** 3.67% |
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Term 18 month |
Dividend Rate 3.45% |
APY** 3.51% |
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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% |
Frequently Asked Questions (FAQ)
To open a business account, please bring the following information:
- The business address and phone number; and if applicable, the business Employer Identification Number (EIN) assigned by the IRS.
- Personal identifying information for each person who is an owner of the business or authorized signer on the business account, along with proof of identity such as a driver’s license.
- Appropriate documentation that shows the business structure such as a Business License or Operating Agreement.
DNCU will confirm with the New Mexico Secretary of State’s office that the business is registered and considered to be in good standing with their office. DNCU may require additional documentations depending on the type of business and organizational structure.
Please email [email protected] if you have questions around this process.
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.
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DNCU Business Savings
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Visit dncuBusiness Savings.
Enjoy all that dncuBusiness offers. Apply today.
(505) 455-4678
