Grow Your Business Savings with Confidence
Business Share Certificate Terms & Rates
Put your business funds to work with our reliable, competitive Business Share Certificates. Whether you’re planning for future expenses or simply want to make the most of your reserves, R.I.A. offers flexible terms and strong rates.
| Term | Minimum Balance | Dividend Frequency | Dividend Rate | APY |
|---|---|---|---|---|
| 91 Days | $500 | Maturity | 0.20%24 | 0.20%24 |
| 6 Months | $500 | Monthly | 4.10%24 | 4.18%24 |
| 9 Months | $500 | Monthly | 2.50%24 | 2.53%24 |
| 12 Months | $500 | Monthly | 3.80%24 | 3.87%24 |
| 18 Months | $500 | Monthly | 3.70%24 | 3.76%24 |
| 24 Months | $500 | Quarterly | 2.25%24 | 2.27%24 |
| 36 Months | $500 | Quarterly | 1.75%24 | 1.76%24 |
| 60 Months | $1,000 | Quarterly | 1.90%24 | 1.91%24 |
Most financial institutions insure up to $250,000 of your hard-earned money. At R.I.A., we’ve doubled that!24 Get peace of mind when you bank with R.I.A.
A Reliable Investment
Our business share certificates offer one of the safest and most predictable ways to grow your savings while keeping your funds insured and secure.
Fixed Rates
Earn high, fixed-rate dividends24 on your business deposits — a simple, low-risk way to increase your returns.
Flexible Terms
Select from a variety of terms, ranging from 91 days to 60 months24, to match your business’s financial strategy.
Automatic Renewals
Enjoy peace of mind knowing most certificates renew automatically at maturity, so your funds keep working for you.
Ultimate Coverage
Your business deposits are insured up to $500,00024 for maximum protection.
Business Share Certificate FAQ
You have questions. We have answers. See below for a list of our most frequently asked questions about our business share certificates.
Can my business access funds early if needed?
Early withdrawals may be subject to penalties, which could reduce earnings. Please consult the terms and conditions or contact our team for specific withdrawal guidelines.
What is the minimum deposit for a Business Share Certificate?
A Business Share Certificate requires a minimum deposit of $500. To earn dividends, the account must maintain a daily balance of at least $500.
Disclaimer
24. Certificates – (Business Share Certificate)
- Penalties may be imposed for early withdrawal. APYs accurate as of 5/1/2025; the last dividend declaration date. Fees may reduce earnings. $500 deposit required to open this account. $500 daily balance required to earn dividends. Other restrictions and requirements may apply. Rates subject to change. APY=Annual Percentage Yield. Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.
Still Have Questions?
Get Started
Ready to make a smart, secure move for your business?
Open your Business Share Certificate today with our easy online application.