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.
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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Our fixed rate maintains the value of your investment, fees are applied only if funds are withdrawn prior to maturity date.
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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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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 November 5, 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. |
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|
Term 3 month |
Dividend Rate 3.50% |
APY** 3.56% |
|
Term 6 month |
Dividend Rate 3.75% |
APY** 3.82% |
|
Term 8 month Special |
Dividend Rate 4.25% |
APY** 4.34% |
|
Term 9 month |
Dividend Rate 3.75% |
APY** 3.82% |
|
Term 12 month |
Dividend Rate 3.75% |
APY** 3.82% |
|
Term 13 month Special |
Dividend Rate 5.00% |
APY** 5.13% |
|
Term 18 month |
Dividend Rate 3.75% |
APY** 3.82% |
|
Term 24 month |
Dividend Rate 4.00% |
APY** 4.08% |
|
Term 36 month |
Dividend Rate 4.00% |
APY** 4.08% |
|
Term 48 month |
Dividend Rate 4.00% |
APY** 4.08% |
|
Term 60 month |
Dividend Rate 4.00% |
APY** 4.08% |
|
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 November 5, 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 3.80% |
APY** 3.87% |
|
Term 8 month Special |
Dividend Rate 4.30% |
APY** 4.39% |
|
Term 9 month |
Dividend Rate 3.80% |
APY** 3.87% |
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Term 12 month |
Dividend Rate 3.80% |
APY** 3.87% |
|
Term 13 month Special |
Dividend Rate 5.05% |
APY** 5.18% |
|
Term 18 month |
Dividend Rate 3.80% |
APY** 3.87% |
|
Term 24 month |
Dividend Rate 4.05% |
APY** 4.13% |
|
Term 36 month |
Dividend Rate 4.05% |
APY** 4.13% |
|
Term 48 month |
Dividend Rate 4.05% |
APY** 4.13% |
|
Term 60 month |
Dividend Rate 4.05% |
APY** 4.13% |
|
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 November 5, 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. |
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|
Term 3 month |
Dividend Rate 3.60% |
APY** 3.67% |
|
Term 6 month |
Dividend Rate 3.85% |
APY** 3.92% |
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Term 8 month Special |
Dividend Rate 4.35% |
APY** 4.45% |
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Term 9 month |
Dividend Rate 3.85% |
APY** 3.92% |
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Term 12 month |
Dividend Rate 3.85% |
APY** 3.92% |
|
Term 13 month Special |
Dividend Rate 5.10% |
APY** 5.23% |
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Term 18 month |
Dividend Rate 3.85% |
APY** 3.92% |
|
Term 24 month |
Dividend Rate 4.10% |
APY** 4.18% |
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Term 36 month |
Dividend Rate 4.10% |
APY** 4.18% |
|
Term 48 month |
Dividend Rate 4.10% |
APY** 4.18% |
|
Term 60 month |
Dividend Rate 4.10% |
APY** 4.18% |
Enjoy all that dncuBusiness offers. Apply today.
(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.
