What Is a Business Certificate?

A business certificate is a fixed‑term savings option that allows businesses to earn dividends at a set rate for a specific period of time. In exchange for keeping funds on deposit until maturity, businesses receive a predictable return.

For businesses with larger balances, Jumbo Business Certificates are available with higher minimum deposit requirements and extended term options.

Business Certificate Rates

Rates valid as of April 17, 2026
Account Term Dividend Rate APY Minimum Opening Deposit

Account

6-month Certificate

Term

6 Months

Dividend Rate

3.639%

APY

3.700%

Minimum Opening Deposit

$500

Account

9-month Certificate

Term

9 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$500

Account

12-month Certificate

Term

12 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$500

Account

18-month Certificate

Term

18 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$500

Account

24-month Certificate

Term

24 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$500

Account

30-month Certificate

Term

30 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$500

Account

36-month Certificate

Term

36 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$500

Account

48-month Certificate

Term

48 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$500

Account

60-month Certificate

Term

60 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$500

Account

6-month Jumbo Certificate

Term

6 Months

Dividend Rate

3.687%

APY

3.750%

Minimum Opening Deposit

$75,000+

Account

9-month Jumbo Certificate

Term

9 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$75,000+

Account

12-month Jumbo Certificate

Term

12 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$75,000+

Account

24-month Jumbo Certificate

Term

24 Months

Dividend Rate

3.590%

APY

3.650%

Minimum Opening Deposit

$75,000+

Account

30-month Jumbo Certificate

Term

30 Months

Dividend Rate

3.590%

APY

3.650%

Minimum Opening Deposit

$75,000+

Account

36-month Jumbo Certificate

Term

36 Months

Dividend Rate

3.590%

APY

3.650%

Minimum Opening Deposit

$75,000+

Account

48-month Jumbo Certificate

Term

48 Months

Dividend Rate

3.590%

APY

3.650%

Minimum Opening Deposit

$75,000+

Account

60-month Jumbo Certificate

Term

60 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$75,000+

Business Certificate FAQs

  • A Business Certificate is a fixed‑term savings account that allows businesses to earn dividends at a set rate for a specified period of time.

  • Trumark Credit Union offers Business Certificate terms ranging from six months to five years, depending on availability.

  • The minimum opening deposit for a standard Business Certificate is $500. Jumbo certificates require a higher minimum deposit of $75,000.

  • At maturity, businesses have a grace period to renew, withdraw, or make changes to the certificate.

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