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.
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.
Get More InfoSecure Growth For Your Business Capital
- Flexible Terms: Choose form 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
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: Conveninently 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 team is here to support your 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 harfer for your future needs.
Get More InfoThe Best Business CD Rates in Southwest Missouri
Certificates of Deposit Special Terms Promotion
| Term | Balance | Interest Rate (APR*) | Annual Percentage Yield (APY**) |
|---|---|---|---|
|
5 Month
If automatic renewal is selected, 5-month certificate of deposit will renew at a 6-month term and interest rate in effect at that time. |
$1,000.00 + | 3.92% | 4.00% |
Rates accurate as of 12/05/2025. Limited-time rate and terms begin on 12/05/2025. Penalty may apply for early withdrawal. BluCurrent reserves the right to change rates at any time. For additional terms of agreement refer to BluCurrent Credit Union Membership Agreement and Truth in Savings Disclosure or call 417-887-1983. Your savings federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government.
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 | 3.54% / 3.60% | 3.39% / 3.45% | 3.34% / 3.40% | 3.34% / 3.40% | 3.34% / 3.40% | 3.34% / 3.40% |
| $25,000.00 - $49,999.99 | 3.63% / 3.70% | 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 | 3.68% / 3.75% | 3.49% / 3.55% | 3.49% / 3.55% | 3.49% / 3.55% | 3.49% / 3.55% | 3.49% / 3.55% |
| $100,000.00 + | 3.73% / 3.80% | 3.54% / 3.60% | 3.54% / 3.60% | 3.54% / 3.60% | 3.54% / 3.60% | 3.54% / 3.60% |
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 12/05/2025.
Ready to Open Your Business CD?
Step
1Gather your business documents by using our handy checklist to make sure you have everything you need.
Step
2Click the button below to launch Video Banking, give us a call at (417) 815-1494, or email us at business@blucurrent.org to start the process.
Step
3Our Business Services Team will assist you with each step to ensure a smooth account opening experience.
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're 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.
Meet The Team
Michael Farrar
Senior Vice President of Business Services
(417) 851-1502 | business@blucurrent.org | | NMLS: 879796I began working in financial services in 2001 and came to BluCurrent in 2012. I love serving our members and community with top-of-the-line business products and services to help build better businesses together
Kyle Short
Vice President of Business Services
(417) 851-1499 | business@blucurrent.org | | NMLS: 2464119Kyle was born and raised in Springfield, Missouri. For a stint, he spent time living and working in the in Delaware/Pennsylvania area for a nonprofit. Kyle met his wife out east and settled back in Springfield, Mo in 2010. He has a combined 10 years of experience in the nonprofit sector. He entered the financial industry with JPMorgan Chase and transitioned to the credit union in 2010. He has been with BluCurrent ever since working as a member service representative, company trainer, and in 2018 started developing the business deposit department. He enjoys spending time with his wife and 3 kids, and enjoying everything the Ozarks have to offer. With his 15+ years of financial experience, he is ready to serve your commercial deposit and lending needs.
Chris Pardoe
Manager of Business Services
(417) 851-1499 | business@blucurrent.org |Chris was born and raised in Waterloo, Iowa. He moved to the Ozarks in 2008 and has lived here ever since. He started in the banking industry with Central Bank of the Ozarks in 2015, and transitioned to BluCurrent in the middle of 2021. He has worked in several positions in his career, ranging from teller/teller supervisor, branch manager, and now currently as the Manager of Business Services. He enjoys spending time with his wife and is looking forward to welcoming his first child in May of next year. He is passionate about using his nearly 9 years of experience in this industry to help local businesses with all their commercial deposit needs.
BluCurrent Credit Union Business CDs FAQs
Ready to Take Next Step on Your Business CD?
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