Business Share Certificates
Guaranteed, fixed rates. Because your bottom line loves guarantees.
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Business Share Certificates
Guaranteed, fixed rates. Because your bottom line loves guarantees.
Smart Choices Start Here
Business Share Account
Ideal for new or small businesses looking to establish membership with TVFCU and maintain a basic savings account with no monthly fees.
Business Money Market Account
Designed for businesses that can maintain higher balances and desire higher dividend rates while retaining some access to their funds.
Business Share Certificates
Intended for businesses that can commit funds for a specific term to achieve higher, fixed dividend rates.
Business Share Account | Business Money Market Account | Business Share Certificates | |
|---|---|---|---|
| Minimum Opening Deposit | None | $2,500 | $1,000 |
| Rate/APY | 0.30% APY | Tiered rates up to 3.10% APY | Fixed rates up to 4.15% APY |
| Access to Funds | Up to 6 free withdrawals per month | Up to 6 free withdrawals per month; includes check-writing ability | Funds locked in until maturity; early withdrawal penalties apply |
| Monthly Fees | None | $15 (waived with $2,500 minimum balance) | None |
| Additional Features | Free YOUR$ Business Online Banking and eStatements | Tiered dividend rates; check-writing capabilities | Various term lengths available (6 months to 5 years) |
Business Share Account
| Minimum Opening Deposit | None |
|---|---|
| Rate/APY | 0.30% APY |
| Access to Funds | Up to 6 free withdrawals per month |
| Monthly Fees | None |
| Additional Features | Free YOUR$ Business Online Banking and eStatements |
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Business Money Market Account
| Minimum Opening Deposit | $2,500 |
|---|---|
| Rate/APY | Tiered rates up to 3.10% APY |
| Access to Funds | Up to 6 free withdrawals per month; includes check-writing ability |
| Monthly Fees | $15 (waived with $2,500 minimum balance) |
| Additional Features | Tiered dividend rates; check-writing capabilities |
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Business Share Certificates
| Minimum Opening Deposit | $1,000 |
|---|---|
| Rate/APY | Fixed rates up to 4.15% APY |
| Access to Funds | Funds locked in until maturity; early withdrawal penalties apply |
| Monthly Fees | None |
| Additional Features | Various term lengths available (6 months to 5 years) |
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Why Choose Business Share Certificates?
Secure Your Business Funds
Lock in a top-of-the-line dividend rate and grow your business savings with flexible terms and the security of a share certificate.
- Competitive fixed dividend rates. Choose from a variety of term lengths and enjoy higher dividends that are fixed for the duration of your certificate.
- Flexible terms to fit your needs. Select terms ranging from 3 months up to 60 months, allowing you to tailor your investment timeline.
- Convenient and secure. Your funds are federally insured, and you can easily manage your certificates through YOUR$ digital banking.
Start Your TVFCU Journey
How to Get Started
Opening a Business Share Certificate with TVFCU is straightforward.
- Connect with us in a branch, via the button below, or by using LIVE Stream Video.
- Select a term length that aligns with your savings goals.
- Make your initial deposit to start earning dividends.
- Monitor your certificate through our app or online.
Frequently Asked Questions
At TVFCU, you can typically open a Business Share Certificate with a modest minimum deposit of $1,000. The required amount may vary based on the term and promotional offers, so be sure to check with a representative for current details.
Yes, but early withdrawals may be subject to a penalty. Business Share Certificates are designed for funds you can set aside without needing access until maturity, so it’s best to choose a term that aligns with your savings goals.
Yes. Business Share Certificates at TVFCU are federally insured by the National Credit Union Administration (NCUA) up to $250,000, providing your business with added peace of mind.
Business Share Certificates Rates
| Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 Months* | 4.11% | 4.15% |
| 12 Months* | 3.94% | 4.00% |
| 18 Months* | 3.94% | 4.00% |
| 24 Months* | 3.70% | 3.75% |
| 30 Months* | 2.97% | 3.00% |
| 60 Months* | 2.97% | 3.00% |
| Dividend Rate | 4.11% |
|---|---|
| Annual Percentage Yield (APY) | 4.15% |
| Dividend Rate | 3.94% |
|---|---|
| Annual Percentage Yield (APY) | 4.00% |
| Dividend Rate | 3.94% |
|---|---|
| Annual Percentage Yield (APY) | 4.00% |
| Dividend Rate | 3.70% |
|---|---|
| Annual Percentage Yield (APY) | 3.75% |
| Dividend Rate | 2.97% |
|---|---|
| Annual Percentage Yield (APY) | 3.00% |
| Dividend Rate | 2.97% |
|---|---|
| Annual Percentage Yield (APY) | 3.00% |
*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.
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Learn MoreUnless stated otherwise, owners of accounts with a stated term of one year or less may receive a penalty for withdrawals before maturity. The penalty we may impose is the greater of seven days dividends on the amount withdrawn, or all dividends that have been earned not to exceed 90 days, or $25.00. Unless stated otherwise, owners of accounts with a stated term of more than one year may receive a penalty for withdrawals before maturity. The penalty we may impose is the greater of seven days dividends on the amount withdrawn, or all dividends that have been earned not to exceed 180 days, or $25.00. The penalty may be calculated at the rate paid on the deposit at the time of the withdrawal. The penalty will, if necessary, be taken from the principal amount of the deposit.
