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Business Certificates

Saving for long-term goals and don't need immediate access to your cash? Business certificates feature our highest dividend rates and guaranteed returns.

 
 
 
  • Opening deposit as low as $2,500
  • Terms from 3 months to 5 years
  • Penalty-free dividend withdrawals
  • Use as collateral for secured loans
  • Convenient, automatic renewal at maturity with a 7-day grace period notification
  • Free view-only account access via Business Online Banking and NiftiPhone®

Find a branch |  Call (800) 848-5654, option 5

Rates effective November 12, 2008 APY = Annual Percentage Yield

Investment Term Minimum Balance Dividend Rate APY
Share 3 months $2,500 1.98% 2.00%
Share 6 months $2,500 2.47% 2.50%
Share 12 months $2,500 2.72% 2.75%
Share 18 months $2,500 2.96% 3.00%
Share 24 months $2,500 2.96% 3.00%
Share 30 months $2,500 2.96% 3.00%
Share 36 months $2,500 3.21% 3.25%
Share 60 months $2,500 4.17% 4.25%
Mini-Jumbo Share 3 months $10,000 2.23% 2.25%
Mini-Jumbo Share 6 months $10,000 2.72% 2.75%
Mini-Jumbo Share 12 months $10,000 2.96% 3.00%
Mini-Jumbo Share 18 months $10,000 3.21% 3.25%
Mini-Jumbo Share 24 months $10,000 3.21% 3.25%
Mini-Jumbo Share 30 months $10,000 3.21% 3.25%
Mini-Jumbo Share 36 months $10,000 3.45% 3.50%
Mini-Jumbo Share 60 months $10,000 4.41% 4.50%
Jumbo Share 3 months $100,000 2.47% 2.50%
Jumbo Share 6 months $100,000 2.96% 3.00%
Jumbo Share 12 months $100,000 3.21% 3.25%
Jumbo Share 18 months $100,000 3.21% 3.25%
Jumbo Share 24 months $100,000 3.21% 3.25%
Jumbo Share 30 months $100,000 3.21% 3.25%
Jumbo Share 36 months $100,000 3.45% 3.50%
Jumbo Share 60 months $100,000 4.41% 4.50%
See Also
Consider one of our three Business Checking accounts designed to meet the unique needs of your business.

Preserve liquidity while still enjoying high rates with an Island Business Money Market.

 

Terms & Conditions

See Business Account Agreement & Disclosure for Truth-In-Savings disclosure and early withdrawal penalties that may apply to Business Certificates.
 

Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.