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Certificates

Save for your future plans and objectives. Make your money work harder. Choose from a variety of terms—all with competitive dividend rates. And experience the peace of mind that comes from a reliable, low-risk approach to business savings.

Certificates let me lock in a term and rate so I can plan for the future.

Open a Certificate today.
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  • Features & Benefits
    *Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.
     
  • Specifics
    • $5,000 minimum deposit for 7-day to 31-day terms
    • $1,000 minimum deposit for 60-day to 10-year terms
    • Maximum of $1,000,000 per account
    • Penalty may be assessed for early principal withdrawals
     
  • Rates

    Certificate – Fixed Rates

    Minimum Balance to Open Account:
    $5,000 (terms less than 45 days) or $1,000 (terms greater than 45 days)

    Certificate Term
    Minimum Balance to Obtain APY
    Dividend Rate
    Annual Percentage Yield
    Certificate Term 7 day
    Minimum Balance to Obtain APY $5,000
    Dividend Rate 0.050%
    Annual Percentage Yield 0.05%
    Certificate Term 14 day
    Minimum Balance to Obtain APY $5,000
    Dividend Rate 0.050%
    Annual Percentage Yield 0.05%
    Certificate Term 21 day
    Minimum Balance to Obtain APY $5,000
    Dividend Rate 0.050%
    Annual Percentage Yield 0.05%
    Certificate Term 31 day
    Minimum Balance to Obtain APY $5,000
    Dividend Rate 0.050%
    Annual Percentage Yield 0.05%
    Certificate Term 60 day
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.050%
    Annual Percentage Yield 0.05%
    Certificate Term 3 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.050%
    Annual Percentage Yield 0.05%
    Certificate Term 6 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.100%
    Annual Percentage Yield 0.10%
    Certificate Term 12 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.200%
    Annual Percentage Yield 0.20%
    Certificate Term 15 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.698%
    Annual Percentage Yield 0.700%
    Certificate Term 18 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.250%
    Annual Percentage Yield 0.25%
    Certificate Term 24 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.350%
    Annual Percentage Yield 0.35%
    Certificate Term 30 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.996%
    Annual Percentage Yield 1.000%
    Certificate Term 36 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.449%
    Annual Percentage Yield 0.45%
    Certificate Term 48 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.499%
    Annual Percentage Yield 0.50%
    Certificate Term 60 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.549%
    Annual Percentage Yield 0.55%
    Certificate Term 72 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.549%
    Annual Percentage Yield 0.55%
    Certificate Term 84 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.549%
    Annual Percentage Yield 0.55%
    Certificate Term 96 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.549%
    Annual Percentage Yield 0.55%
    Certificate Term 108 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.549%
    Annual Percentage Yield 0.55%
    Certificate Term 120 month
    Minimum Balance to Obtain APY $1,000
    Dividend Rate 0.549%
    Annual Percentage Yield 0.55%

    Rates accurate as of


    All rates subject to change without notice.  Annual Percentage Yield (APY) is accurate as of the last dividend declaration date.  A penalty may apply for early withdrawal.  Fees could reduce earnings in this account.

     
  • Fees

    Certificate Fees

    Fee Type
    Description
    Fee
    Fee TypeEarly Withdrawal Penalty
    DescriptionApplies to certificates when deposited funds are removed before the maturity date.
    FeeTerms that include 30, 31 and 60 days - 30 days of dividends
    Terms from 90 days to 12 months (365 days) - 90 days of dividends
    All terms greater than 12 months - 180 days of dividends

    Fees may change. 

     

     
  • How to Open

    It’s easy to open an ESL Business Certificate:

    We’ll help you open a new certificate account right away. Then you can get back to managing your business.