Site Search
Site Search

Certificates

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

Savings options with predictable earnings

  • No minimum deposit
  • 60-day rate guarantee1
  • 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.

60-day rate guarantee

Feel confident as our certificates offer a 60-day rate guarantee! If the rate increases on your chosen certificate opened on or after August 1, 2022, you can request a rate adjustment.1 

Business Certificates2

Term Minimum Balance Rate APY
3-Month Certificate $0 4.51% 4.60%
6-Month Certificate $0 4.89% 5.00%
9-Month Certificate $0 4.98% 5.10%
11-Month No-Penalty Certificate* $0 4.65% 4.75%
1-Year Certificate $0 5.13% 5.25%
18-Month Certificate $0 4.17% 4.25%
2-Year Certificate $0 4.31% 4.40%
3-Year Certificate $0 4.55% 4.65%
5-Year Certificate $0 4.65% 4.75%

Effective 8.31.2023

Business Jumbo Certificates2

Term Minimum Balance Rate APY
1-Year Jumbo Certificate $100,000 5.27% 5.40%
2-Year Jumbo Certificate $100,000 4.51% 4.60%
1-Year Jumbo+ Certificate $250,000 5.46% 5.60%
2-Year Jumbo+ Certificate $250,000 4.65% 4.75%

Effective 4.28.2023

Business Bump Certificates3

Term Minimum Balance Rate APY
3-Year Bump Certificate $0 4.17% 4.25%
5-Year Bump Certificate $0 4.36% 4.45%

Effective 4.28.2023

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.4
 

Get in touch

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

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

Helpful Resources

Money Minutes Blog

Harness Better Earnings with a Business Money Market Account

When it comes to managing business finances, entrepreneurs need accounts that balance growth potential, security, and liquidity. Business money market accounts check all these boxes and then some, which is why they’re a go-to savings tool for businesses.

Read more
5 Signs You Should Consider a Business Loan

Running a successful business involves navigating financial challenges, capitalizing on growth opportunities, and making strategic investments. Whether you recently started a business or you’re a seasoned entrepreneur, it’s important to know when to seek out a business loan.

Read more
Owning a Franchise: What to Consider Before Diving In

Franchises are everywhere. As of 2022, there are an estimated 790,500 in the U.S.1

Read more
Streamline processes, create efficiencies
Easily pay bills, track transactions, monitor balances and more so you can focus on what matters most -- your mission.
Business Online Banking