Business Certificates
Put excess funds to work for your business by investing in low-risk, high-return Certificates.
Leverage some of our highest interest rates to bolster your savings
As a business owner, you know every day brings unpredictability. But here's something you can count on–growth from an Azura Credit Union Business Certificate. Set aside money you don't need to access immediately and start building up your savings at a fixed rate for a few months or several years. Your locked interest rate means you can accurately predict how much more money you'll have once your Certificate matures.
- Open with a $500 minimum deposit
- Choose terms of 6, 12, 24, 30*, 36, 48 and 60 months
- Grow your money at a fixed rate through the full-term
- Additional deposits accepted within a 10-day grace period after maturity
- Certificates automatically renew at the current rate offered
- All Certificates are subject to penalties for early withdrawal (See Truth-In-Savings for exceptions)
Effective date:
| Rate Duration | Rate | APY |
|---|---|---|
| 6 Month | 2.00% | 2.02% |
| 12 Month | 2.50% | 2.53% |
| 14 Month Special** | 3.97% | 4.04% |
| 24 Month | 3.00% | 3.04% |
| 30 Month Bump Rate* | 3.50% | 3.56% |
| 36 Month | 3.40% | 3.45% |
| 48 Month | 3.50% | 3.56% |
| 60 Month | 3.60% | 3.66% |
Digital Convenience
- Manage money online or on your mobile device
- Access free e-statements
- Receive immediate notifications when account activity occurs via email or Text Message Banking
Financial Management
- Access complimentary financial literacy and wellness resources
- Receive free financial counseling services
- Explore additional money management tools
Support and Protection
- Central branch locations
- Convenient service hours
- Audio, video and chat services
The right account for your business finances
Whichever savings account you choose, each include helpful resources, innovative features and valuable benefits.
Digital Convenience
- Manage money online or on your mobile device
- Pay bills and transfer funds anytime
- Access free e-statements
- Sync accounts with QuickBooks
- Provide access to multiple employees
- Easily set up Direct Deposit
- Set rules about how your debit and credit cards can be used with Card Controls
- Receive immediate notifications when account activity occurs via email or Text Message Banking
- Link another Azura account for overdraft protection and take advantage of our Overdraft Privilege on qualifying accounts
Financial Management
- Access complimentary financial literacy and wellness resources
- Receive free financial counseling services
- Explore additional money management tools
Support and Protection
- Central branch locations
- Convenient service hours
- Audio, video and chat services
- Know your checking account is safe with NCUA insurance and fraud coverage
Merchant & Payroll Services
Merchant Services
- Innovative, flexible payment processing tools
- Accept credit cards, debit cards and other electronic payments
- Download account data to QuickBooks
Payroll Services
- Automate your payroll process for greater efficiency and accuracy
Easy Access
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- Connect your Azura cards to your Mobile Wallet for quicker, more secure transactions. Available through Apple Pay®, Google Pay™, and Samsung Pay®.
- Interactive Teller Machines (ITMs) with personal Video Teller assistance.
- Withdraw cash through nationwide surcharge-free ATMs*
*Surcharge-free transactions are available for debit and ATM card holders of participating credit unions
$500 minimum to open Share Certificate.
Rates are subject to change without notice.
APY - Annual Percentage Yield
*The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30-month Share Certificate, if the current rate being offered is higher. Contact Azura Credit Union to activate the bump rate. Each 30-month term has one bump available. The 30-month Bump Rate Share Certificate will automatically renew as another 30-month Bump Rate Share Certificate unless changes are made during the grace period. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates are subject to change without notice.
**The 14-Month Special will automatically renew at a standard 12-month term upon maturity. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates are subject to change without notice.
Personal, business, and IRA funds are eligible.
Penalty for early withdrawal.
Fees could reduce earnings.
Brokered, third-party funds are not eligible.
Early withdrawal penalties are subject to Certificate term length:
- Terms of 12 months or less: 90 days dividends
- Terms of >12 and <48 months: 180 days dividends
Terms of 48 months & longer: 365 days dividends
What do I need to open a business bank account?
To learn about the documents and information you’ll need to open your Azura accounts, check out our Business Application Checklist.
Your Local Business Partner
When it comes to navigating the complex landscape of business finances, having a partner who understands your local community and its unique needs can make all the difference. At Azura, you’ll find the perfect solutions for your business size and needs.
Since 1939, Azura Credit Union is proud to have served Kansans as a member-owned, not-for-profit financial institution with over 62,000 members. We are committed to providing Above and Beyond Banking experiences through reliable, innovative products and to improving lives through a culture of giving.