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A man smiles after checking the dividends he could earn from a business CD.
Home » Business » Accounts » Certificate of Deposit

Business Certificate of Deposit

Earn more when you invest local

Send us an email at business@blucurrent.org, give us a call or use our Video Banking to open your business certificate of deposit account today.

Two business people discuss opening a business certificate of deposit.

Business Certificates of Deposit (CDs)

Maximize the growth of your Southwest Missouri business's savings with zero surprises! Take advantage of guaranteed returns in exchange for leaving your funds in the account for a term of 6 to 60 months. There are no fees, and you only need a low $1,000 deposit to get started. Open a business CD today for a secure way to build your future.

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Secure Growth For Your Business Capital

  • Flexible Terms: Choose from terms of 6 to 60 months to get the best option for your needs.
  • Guaranteed Returns: Enjoy predictable account growth without market risk.
  • No Monthly Fees: Your investment grows without unnecessary fees, so every dollar works harder to achieve your goals.
  • Interest Compounded Monthly: Benefit from steady, compounded growth each month.
  • Low Minimum Deposit: You only need a low $1,000 deposit to open an account
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Three business people check the balance of their business certificate of deposit with online banking.
A group of four business people check the balance of their business CD with online banking.

Put Idle Funds to Work and Enjoy Steady, Reliable Growth

Get higher returns without the risk with a business CD. It's a secure way to prepare for future business needs without dealing with market fluctuations.

  • Your Money Stays Local: Your money stays in Southwest Missouri to Support the Local economy.
  • Convenient Account Access: Conveniently check your account balance anytime with online or mobile banking.
  • Peace of Mind: Your CD is insured by a combination of NCUA and Additional Excess Share Insurance for up to $2,000,000.
  • Business Services Team Support: Our dedicated business team is here to support your business every step of the way.

Ready to earn a higher rate? Click the button below to open a business certificate of deposit and watch your funds work harder for your future needs.

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The Best Business CD Rates in Southwest Missouri

Certificates of Deposit (Personal & Business)

Balance
6 Month
APR* / APY**
12 Month
APR* / APY**
24 Month
APR* / APY**
36 Month
APR* / APY**
48 Month
APR* / APY**
60 Month
APR* / APY**
$1,000.00 - $24,999.99 3.34% / 3.40% 3.34% / 3.40% 3.34% / 3.40% 3.34% / 3.40% 3.34% / 3.40% 3.34% / 3.40%
$25,000.00 - $49,999.99 3.44% / 3.50% 3.44% / 3.50% 3.44% / 3.50% 3.44% / 3.50% 3.44% / 3.50% 3.44% / 3.50%
$50,000.00 - $99,999.99 3.49% / 3.55% 3.49% / 3.55% 3.49% / 3.55% 3.49% / 3.55% 3.49% / 3.55% 3.49% / 3.55%
$100,000.00 + 3.54% / 3.60% 3.54% / 3.60% 3.54% / 3.60% 3.54% / 3.60% 3.54% / 3.60% 3.54% / 3.60%
Learn more about Business Certificates

The minimum amount required to open a Regular Certificate is $1000. IRA certificates available in these terms. Penalty may apply for early withdrawal. Rates effective 04/01/2026.

Ready to Open Your Business CD?

Step

1
Gather Documents

Gather your business documents by using our handy checklist to make sure you have everything you need.

Step

2
Contact BluCurrent Business Services

Click the button below to launch Video Banking, give us a call at (417) 851-1494, or email us at business@blucurrent.org to start the process.

Step

3
Submit Documents

Our Business Services Team will assist you with each step to ensure a smooth account opening experience.

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What our Members Have to Say

Starting a New Business?

Starting a business can seem challenging, and it’s not always easy to know where to begin. To help us assist you, do you know the type of business entity that you are starting?

Have an Existing Business?

If you are an experienced business owner already and know what type of business entity you have, click below to learn more about the paperwork required to move forward with a business account at BluCurrent.

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BluCurrent Credit Union Business CDs FAQs

Any business that is an LLC, Sole Proprietor, Corporation (S-Corp or C-Corp), Non-Profit, Partnership, Club, or Public Funds, and is headquartered or has a service location in one of the following Southwest Missouri counties is eligible: Christian, Greene, Howell, Jasper, Lawrence, Newton, Polk, Stone, Taney, or Webster.
A certificate of deposit (CD) for a business can be used to earn interest on funds for a period of time. Your business will earn a guaranteed return in exchange for leaving your funds in the account until the term ends (the maturity date). Business CDs earn a higher annual percentage yield (APY) than other savings account options.
When your business CD account matures, there is a period of 10 days where you can withdraw your funds or reinvest in a new CD with a different term. If you don't do anything during this period, your CD will automatically renew for the same term at the current interest rates.
Yes, you can withdraw funds from a business CD before it matures, but you will incur an early withdrawal penalty consisting of a portion of the interest earned for the amount withdrawn. Because of the penalty imposed for early withdrawls, taking money out of a CD before the maturity date is usually not recommended unless it's absolutely necessary.
Yes, you can withdraw funds from a business CD before it matures, but you will incur an early withdrawal penalty consisting of a portion of the interest earned for the amount withdrawn. Because of the penalty imposed for early withdrawals, taking money out of a CD before the maturity date is usually not recommended unless it's absolutely necessary.
You can't add additional funds to a business certificate of deposit after opening it. If you have additional funds to invest, you will need to open a new CD or wait for the current CD to mature to reinvest the principal, interest earned, and additional funds.
Absolutely! In fact, many people use a strategy called CD laddering to maximize their returns while maintaining access to funds at regular intervals. CD laddering involves opening multiple CDs with staggered maturity dates, such as one maturing every six months, 12 months, or longer. This allows you to reinvest funds into new CDs at potentially higher rates or use the funds for business needs.
Our business accounts are federally insured by the National Credit Union Administration (NCUA) for up to $250,000 instead of the FDIC. Our accounts are also covered by Additional Excess Share Insurance (ESI) for $1,750,000 for a total of $2,000,000 of coverage per account.

Ready to Take Next Step on Your Business CD?

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