Business Certificates

Turn your business savings into earnings

Business Certificates offer a low-risk, safe investment opportunity for your small business. With a competitive interest rate from OKCU, your savings will steadily grow over the length of your term.

We see a safe and secure investment in your business's future

Low opening balances
Flexible terms ranging from 6 to 60 months
No risk of losing your principal balance
Earn a guaranteed rate for the term of your certificate
Your money is always accessible by calling us
Federally insured by the NCUA (it's like the FDIC but for credit unions)

CHECK TODAY'S BUSINESS CERTIFICATE RATES

How can I do more with my money?

This savings strategy may allow you to maximize your earnings while still having access to your money on a regular basis. For example, instead of opening a $5,000 certificate for 5 years you would open five certificates for $1,000 each for the following terms:

12 months
24 months
36 months
48 months
60 months

As each certificate matures you can use the funds you need or roll them in to a new certificate.

GET YOUR BUSINESS CERTIFICATE QUESTIONS ANSWERED BY A PRO

What happens when my certificate matures?

At maturity, you can choose to withdraw the funds or the certificate will automatically renew for another term at the current interest rate.

What if I need to withdraw my funds before my certificate matures?

An early withdrawal penalty will apply if you withdraw funds from your certificate at any time other than during the grace period.

What terms do you offer?

Our certificate terms range from 6 to 60 months.

READ MORE FAQS

Transparency is important to us. Our fine print is actually the same size as anything else we talk about.

For all the legal speak please review the current Rate and Fee Schedule. Here are the highlights.

Your certificate automatically renews for another term when it matures
After maturity, you have 7 days in which to make a deposit or withdraw funds in the account
A penalty may be imposed if you withdraw the funds before the maturity date
Early withdrawal penalties
- 6 - 12 month certificates - dividends earned, up to 90 days
- 13 - 60 month certificates - dividends earned, up to 180 days
- See the Rate & Fee Schedule for early withdrawal exceptions

DOWNLOAD THE RATE & FEE SCHEDULE

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Happy To Help Stories

Why do our members love being part of OKCU? Find out below.

We have loved the support from OKCU both to our Association, and to the individual businesses. OKCU is community-minded and we love working with them!

– Plaza District Association
Oklahoma's Credit Union consistently chooses to invest their time and resources into making a difference in our community.

– Keep it Local OK
This is the first financial institution that has made me feel like I actually make a difference by banking with them.

– Chris I.
It is comforting to know there is a local person you can call for help and they are focused on helping you succeed.

– Care Providers Oklahoma
Running a local travel show, it was important for me to bank with a local credit union that supports the community because in return it gives me more content. Plus, their online banking is cool.

– Uncovering Oklahoma
OKCU is more than just a credit union, for us, OKCU is a part of our community and friends to count on. We appreciate all that they do for us.

– OKC Nothing Bundt Cakes