Identify the goal
Define what the funds are set aside for and when they are expected to be used.
Grow your business savings with flexible certificate options designed to help North Carolina businesses earn more on the money they’re setting aside for what’s next
Steady growth for the funds powering your next business move
When you’ve worked hard to build your business, your savings should work just as hard for you. Our certificates offer a secure, predictable way to grow the funds you’re setting aside — whether you’re planning for equipment upgrades, seasonal expenses, tax obligations, or your next big opportunity. With a range of term options and competitive rates, you can choose a timeline that fits your cash flow and your goals.
Supports intentional planning
A strong fit for funds designated for equipment, taxes, renovations, or other planned expenses with a known timeframe.
Adds clarity to your timeline
Choosing a defined term helps match available balances to when funds are expected to be used.
Works alongside operating and reserve accounts
Certificates complement checking and Money Market accounts by keeping longer-term balances clearly separated from everyday activity.
How organizations typically position funds for the future
Certificates work best when funds are assigned both a purpose and a timeframe.
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Match the timeline to a term
Select a term that aligns with your anticipated timing. Available terms are listed on our rates page.
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Keep balances clearly separated
Maintaining separation between operating funds and longer-term balances supports clearer reporting.
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Tools
Business calculators that help you plan with confidence
Make informed decisions with easy-to-use business calculators designed to help you estimate your savings, evaluate financing options, and plan for what’s next. Clear numbers. Practical insight. Greater confidence for your next move.
