Business Certificates

Business
Bank
Accounts

Low risk. High return. Create a stronger safety net for your business with GECU Business Certificates.

No minimum deposit
Competitive rates
Guaranteed returns

You want your business to go from point A to point B. Would you rather walk the distance, or take a faster mode of transportation? A GECU Business Certificate helps you reach your business milestones faster. Set aside your excess funds for a low-risk way to build on your business’ growing capital. When your certificate matures you have the option of cashing out to address current needs or reinvesting for continued growth.

No monthly maintenance fee.
No minimum balance requirement (with the exception of our Jumbo Certificates).
Plan confidently with fixed rates of return.

Term	Minimum Balance	Rate	APY
3-Month Certificate	$0.01	3.49%	3.55%
6-Month Certificate	$0.01	3.54%	3.60%
9-Month Certificate	$0.01	3.49%	3.55%
11-Month No-Penalty Certificate*	$0.01	3.30%	3.35%
1-Year Certificate	$0.01	3.64%	3.70%
18-Month Certificate	$0.01	3.35%	3.40%
2-Year Certificate	$0.01	3.45%	3.50%
3-Year Certificate	$0.01	3.11%	3.15%
5-Year Certificate	$0.01	3.01%	3.05%

Term	Minimum Balance	Rate	APY
1-Year Jumbo Certificate	$100,000	3.74%	3.80%
2-Year Jumbo Certificate	$100,000	3.45%	3.50%

Monitor your earnings

No matter if you are in the office, or on the road, you can watch your balance grow 24/7 within Business Online Banking and our mobile app.³

Get in touch

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

Contact a Branch Manager at: 513.243.4328
Complete this short form and we'll get in touch with you
Schedule an appointment and visit your local branch

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

What Nonprofit Businesses Should Look for in a Banking Partner

With expert guidance from Jason Jones, a Business Relationship Manager at General Electric Credit Union (GECU), we’ve outlined the most important qualities nonprofits should look for in a business banking partner.

Autobooks: Its Role in Small Business Finance

Managing finances is one of the most time-consuming aspects of running a small business. From invoicing clients to tracking payments and reconciling accounts, these tasks can quickly become overwhelming—especially for business owners who don’t have dedicated accounting support.

What You Need to Know About BOI Reporting in 2025

GECU Voices brings you guidance and insight from experts within the Credit Union. Today’s blog post was penned by Paula Pfaehler, Senior Vice President, Commercial and Small Business Lending.

Business Certificates

Savings options with predictable earnings

Featured Certificates