Business Certificates

Boost your business' savings. 

Set excess funds aside to grow while your business grows, too.

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Business Certificates Cincinnati OH

Increase your business' wealth with guaranteed returns. 

Certificates provide a fixed-rate return, making them a safe, risk-free way to reach your business' goals. Our Business Certificates are available in a variety of terms, including specials and promotions, most with a minimum to open of just $500.

Business Certificates include: 

  • Area-leading rates
  • Opening minimum as low as $500
  • Term options from 1 year to 5 years
  • Renewal opportunity at certificate maturity with prevailing rate
  • Federally insured to at least $250,000 by the National Credit Union Administration (NCUA).

Business Certificate Rates

Current Specials*

rates_business_certificate_special table
TermMinimum BalanceRateAPY
6 - Month Certificate$5001.54%1.55%
18 - Month Certificate$5002.23%2.25%
2 - Year Jumbo Certificate$100,0002.47%2.50%
3 - Year Bump Certificate****$5003.01%3.05%
5 - Year Bump Certificate****$5003.25%3.30%

Standard Business Certificates*

rates_business_certificates table
TermMinimum BalanceRateAPY
1 - Year Certificate$5001.74%1.75%
1 - Year Jumbo Certificate$100,0002.23%2.25%
2 - Year Certificate$5002.23%2.25%
3 - Year Certificate$5001.98%2.00%
5 - Year Certificate$5002.82%2.85%


Ready to open a certificate?

Our helpful and knowledgeable professionals are here to help. To get started:

  • Contact a Branch Manager at: 513.243.4328 or 800.542.7093.
  • Complete this short form and we'll get in touch with you. 

 

*APY = Annual Percentage Yield. Fees may reduce earnings. Substantial penalties for early withdrawal on all certificates. Refer to the Account Disclosure for account information. 

**APY = Annual Percentage Yield. Fees may reduce earnings. Substantial penalties for early withdrawal on all certificates. Bump Certificates are new products and offer does not apply to existing certificates. This offer and details, including the stated APY, are accurate as of July 10, 2018, are available for a limited time and are subject to change at any time. Certificates will be opened and interest will accrue as of the date funding is received; funding must be received within 10 days of opening the account. Fees may reduce earnings; subject to early withdrawal penalties. Terms include 3- and 5-Year Bump Certificates. During the term of this certificate, the certificate owner has the option to initiate a rate adjustment one time per year during the term of their certificate to the prevailing GECU rate on that product. The certificate owner must provide a written or verbal request. One rate adjustment per year is reflective of an anniversary year, based on the certificate open date. This offer is applicable to new money or funds from maturing certificates at GECU. New money is defined as proceeds not previously on deposit with GECU. To change an existing termed certificate outside of its 7-day grace period, you will be assessed a penalty fee and must add a new money equivalent to the current balance of the certificate(s) the day the penalty is assessed if under $10,000; for balances of $10,000 or more, you must add a minimum deposit of at least $10,000 in new money. If electing to use non-maturing deposits currently with GECU, when transferring balances under $10,000, you must match (or exceed) the amount transferred from your GECU account with a new money; if transferring balances of $10,000 or more, you must add a minimum deposit of at least $10,000 in a new money.


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