When timing matters, a defined term helps keep plans steady and balances aligned to future goals

Built for funds with a defined horizon

Certificates are selected when money is designated for a future expense, project, or initiative.

Supports intentional planning

A strong fit for funds designated for equipment, capital improvements, tax obligations, or other planned initiatives. 

Adds clarity to your timeline

Choosing a defined term helps match balances with when funds are expected to be used.

Works alongside other commercial deposit accounts

Certificates complement checking and money market accounts by keeping longer-term balances clearly separated.

Strong returns and flexible increments

Open a Certificate with just $500 and get a strong return on idle business funds, plus terms available in increments of 3 to 18 months. 

Tools

Business calculators that help you plan with confidence

Make informed decisions with easy-to-use business calculators designed to help you estimate loan payments, evaluate financing options, and plan for what’s next. Clear numbers. Practical insight. Greater confidence for your next move.

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Your questions, answered

A Business Certificate is a deposit account with a defined term, commonly used for funds set aside for a future purpose.

Current offerings, terms, and dividend information are available in the rates page

Early access may be subject to terms outlined at account opening. Reviewing those details ensures alignment with your timeline.