Business 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
  • 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.

Business Certificates1

Term Minimum Balance Rate APY
3-Month Certificate $0.01 3.93% 4.00%
6-Month Certificate $0.01 4.41% 4.50%
9-Month Certificate $0.01 4.41% 4.50%
11-Month No-Penalty Certificate* $0.01 4.17% 4.25%
1-Year Certificate $0.01 4.60% 4.70%
18-Month Certificate $0.01 4.22% 4.30%
2-Year Certificate $0.01 4.12% 4.20%
3-Year Certificate $0.01 3.93% 4.00%
5-Year Certificate $0.01 3.78% 3.85%

Business Jumbo Certificates1

Term Minimum Balance Rate APY
1-Year Jumbo Certificate $100,000 4.84% 4.95%
2-Year Jumbo Certificate $100,000 4.31% 4.40%

Business Bump Certificates2

Term Minimum Balance Rate APY
3-Year Bump Certificate $0.01 3.59% 3.65%
5-Year Bump Certificate $0.01 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:

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

Money Minutes Blog

Credit Card Debt Bogging Down Your Business? Transfer Your Balance!

While business credit cards are a versatile way to finance purchases, carrying over a balance can cause your debt to quickly snowball—offsetting the initial benefit to your business’s financial success. 

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FAQs: Beneficial Ownership Information (BOI) Reporting

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.

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Essential Tips for Managing Your Business Checking Account

Running a successful business involves careful financial management, and a crucial aspect of this is effectively managing your business checking account. 

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Streamline processes, create efficiencies

Easily pay bills, track transactions, monitor balances and more so you can focus on what matters most -- your mission.