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Business Certificate

Earn more for your business

Lock in a great rate to deliver more returns, with a term and amount that works for you.


No monthly service charge

Skip the fees, with no monthly service charges on business certificates.


Earn dividends

Receive dividends quarterly.


Higher rates

Earn higher rates than many checking or savings accounts.


Flexible terms

Find a term that works for you, with options from 3 to 60 months.


Low initial deposit

Open a Business Certificate with just a $1,000 minimum initial deposit.1


Friendly service

Visit us at a branch, by phone, or online! You’ll enjoy our friendly member-focused service.

Today's rates

View more rates

7 months

As high as % APY2

Calculate your earnings3

Final Balance

Contributions:     |    Earnings: 
Competitive Rates

Lock in a great rate

With a Business Certificate, you can lock in a higher rate than many checking or savings accounts offer. Start with just $1,000!

Two teen girls making pottery on a wheel
Pledge For Collateral

Smart way to borrow

Business Certificates can be pledged to commercial loans to reduce interest rate costs.

Worker and boss looking at a project for a client in the office

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

— Business Google Review

How it works

It's easy to get a Business Certificate.

  • 1

    Schedule an appointment

    Call or use our online system to schedule an appointment.

  • 2

    Meet with a team member

    Our experts can assist you in-person or virtually.

  • 3

    Open your Business Certificate and start saving

    Earn dividends until the certificate reaches maturity.

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

Give your business a boost


Put your money to work for you. Grow your savings with a Business Certificate.


Schedule an appointment


1 $1,000 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
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 June 12, 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. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

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

Juneteenth Holiday Closure All offices will be closed Wed., 6/19, for Juneteenth. β€―ATMs, mobile services, and online banking are available 24/7. View all our holiday closures.