Set aside extra funds with a business certificate
A certificate is a safe and secure investment for your business. Learn about the benefits of an OKCU certificate.
Certificate terms range 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 contacting us
Funds are federally insured by NCUA
Do more with your money with a certificate laddering strategy
Certificate laddering allows you to maximize your earnings while having access to your money on a regular basis. For example, instead of opening a $5,000 certificate for 5 years you would open 5 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 into a new certificate.
View OKCU’s competitive business certificate rates to see how much you can earn in interest.
Opening a certificate online only takes a few minutes.
Open a certificate online using the link below
Choose your term
Choose your deposit amount
Complete the application
Wait for the certificate to mature and enjoy your earnings!
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Scheduled close-outs are permitted. Certificates will automatically renew for another term at maturity. After the certificate matures, you have a 7 day grace period to make a deposit or withdraw the funds. A penalty may be imposed if you withdraw the funds before the maturity date.
Early withdrawal penalties:
- 6 - 12 month certificates - dividends earned or would be earned, up to 90 days
- 13 - 60 month certificates - dividends earned or would be earned, up to 180 days
- See the Rate & Fee Schedule for early withdrawal exceptions