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Business Bump Up Certificate

Take control of your interest rate

With a Business Bump Up Certificate, you can increase your certificate rate once during the term, if our rates rise.1


Bump it up

If our interest rates rise, you can increase your rate once during the certificate term.


More control

If there's a better rate available, you're not locked in. Swap up and earn more.


Flexible terms

Choose a term that works for you, with 24-, 36-, 48-, and 60-month options.

Today's rates

View more rates

60 months

As high as % APY2

Calculate your earnings3

Final Balance

Contributions:     |    Earnings: 
Bump It Up

Your rate, your call

If our rates rise during your certificate term, you can do a one-time "bump up" to increase your rate.

Happy business woman standing outside a office building
Flexible Terms

One size doesn't fit all

Every situation is different. That's why we offer 24-, 36-, 48-, and 60-month Bump Up Certificate terms.

Diverse business people having a team meeting in an office

Great personal service. Best online banking, especially for business use.

— Business Google Review

How it works

It's easy to get a Business Bump Up Certificate.

  • 1

    Open a Bump Up Certificate

    Open a certificate at a branch or through video banking.

  • 2

    Make an initial deposit

    Get started with an initial minimum deposit of just $1,000.4

  • 3

    Bump up

    If our rates increase, you can bump up your certificate rate once over the term.

Schedule an appointment

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8890

Pump up with a Bump Up.


With a Business Bump Up Certificate, you’re in control. If our interest rates rise, you can increase your rate once during the term, and earn even more.


Schedule an appointment


1 The rate on a Business Bump Up Certificate can be increased one time during each term of the certificate. Rate increase requests are limited to the current rates advertised for BusinessBasic and BusinessPlus Certificates for the same term length as of the date the rate increase request is received by Members Cooperative Credit Union. The increased rate will apply to the period of time remaining on the certificate term beginning on the date of the request.
2 APY is the Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the certificate. The stated APY is effective as of April 17, 2024 and is subject to change at any time. Fees may reduce earnings.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on a Business Bump Up Certificate as the rate may be subject to a one time increase. Contact us at 1-800-296-8871 for more information.
4 $1,000 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.

Membership required and subject to account requirements.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking