Business Share Certificates
Business Share Certificates
Business Share Certificates, similar to a bank’s Certificate of Deposit (CD), offer low-risk opportunities for those businesses that don’t need short-term access to their savings to earn guaranteed returns on their investments. By opening a free, NCUA-insured share certificate with USSFCU, a business can be assured of a specific return upon the maturation of their share certificate term. USSFCU Business Share Certificates offer a variety of options, each with a unique term and interest rate.
Enjoy Our Suite of Certificates
A stable and secure way to diversify your investment portfolio.
Avoid the ups and downs of the market with a traditional certificate. Yields are paying out at record highs.
Looking for long-term security without the headache of a fluctuating market? Our IRA certificate is the solution.
Secure a great rate now with the one-time option to bump it up to an even better rate during the term of your certificate.
Our business certificates offer your business secure and stable solutions for both short and long-term goals.
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- Higher returns than savings accounts
- Competitive rates
- Fixed rates for length of term
- Terms range from 3 months to 5 years
- Additional deposits permitted at maturity
- Early withdrawal penalties apply*
- $1,000 minimum deposit to open
Deposits at all federal credit unions and the vast majority of state-chartered credit unions are covered by National Credit Union Share Insurance Fund (NCUSIF) protection. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the NCUSIF. Like the FDIC's Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government.
For questions about the NCUA’s share insurance coverage, call 1.800.755.1030, option 1, Monday through Friday, 8 a.m. to 5 p.m. Eastern, or send an email to [email protected]. This toolkit contains a variety of helpful resources for credit unions regarding the Share Insurance Fund.
Share Insurance Toolkit from MyCreditUnion.gov
The toolkit has great resources like estimators, publications, videos and more.
APY = Annual Percentage Yield. The minimum balance required to open a share certificate special is $1,000. You must maintain the minimum daily balance in your account each day to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. The APY assumes dividends will remain on deposit until maturity. The dividend period on your account begins from the date that your account is opened and ends on the maturity date, unless renewed. Member has 10 days from maturity to make changes with no penalty. Certificate rates are subject to change without notice. Early withdrawal penalties may apply. See fee schedule for more details.