Business Share Certificates Tips, Info & FAQs
The best way to invest your excess cash
If your business has extra cash flow and you’re ready to make your money work for you, United Texas Business Share Certificates could be the way to go. With terms varying from six months to five years and a minimum investment of $500, we can help you choose a savings product for the best returns on your investment. You’ll get the highest rates and the best ROI, especially if you don’t need immediate access to your funds.
For a limited time, our 6-month Certificate Special offers you 5.30% APY on your funds of $25,000 or more!
Invest and earn more
If you’re exploring ways to invest extra cash from your business, then congratulations are in order! You’ve figured out how to make a profit, and we can’t wait to help make your money work for you. But now that you’re seeing some returns on the investment of your labor, it’s time put some effort into protecting what you’ve worked so hard to create.
The Internet age has brought so many conveniences—and more than a few threats. If you’ve got your feet on the ground and your work in the cloud, here’s how you can protect your intellectual property from digital dangers.
1. Search safer
With so many of our tasks taking place on the World Wide Web, no boss is going to begrudge employees a tweet here or a Google search there. But if you’re using office devices or accounts, you need to search—and save—responsibly. We recommend keeping work files and personal files on separate drives, keeping your web browsing to just a few safe and friendly sites and being wary of your file downloads. If you’re going to risk opening unfamiliar files, do it on a personal device.
2. Defend your devices
Super computers used to take up major square footage. Now they can fit in your backpack or back pocket. No matter where you go, odds are you have at least one device and some sensitive information on hand. Make sure you and your employees keep your devices locked up and out of sight. Not on a desk overnight; never on the backseat of a car. Beware of unsecured networks, and don’t be too generous with your home WiFi account password.
3. Steer clear of scams
Hackers are more clever than ever, and even the savviest Internet users can fall victim to scams. A phishing attempt can spread through an office like wildfire and, before you know it, everyone at work is locked out of their e-mail accounts. Luckily, news outlets are pretty quick to report the scariest scams. If you come across a story of a scam—or worse, see it in your inbox—make sure everyone in the office knows about it. If you have an IT rep, forward the e-mail to them so they can be on high alert.
From Our Blog
How much can I invest in a United Texas Business Share Certificate?
You may invest as little as $500 and your account is privately insured up to $250,000.
Are there any penalties for early withdrawal?
This isn’t a transaction account, so there are penalties if you withdraw the funds before the maturity date of the certificate.
Will my certificate automatically renew?
When you open a certificate, you have the option of setting it up so it automatically renews for the same term and at the prevailing rate.
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Business Share Certificates Rates & Calculator
Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Business Share Certificates
|3.82% APY*||6 months|
|5.30% APY*||6 months**|
|4.07% APY*||12 months|
|2.78% APY*||24 months|
|2.27% APY*||36 months|
|2.53% APY*||48 months|
|2.53% APY*||60 months|
*APY = Annual Percentage Yield. APY offered the period of November 10 - 30, 2023. A penalty will be imposed for early withdrawal. A withdrawal of all or any portion of the principal prior to maturity will cause automatic termination of the Certificate Account. For a Certificate with a term of one year or less, the penalty will be equal to 30 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For a Certificate with a term over one year but less than three years, the penalty will be equal to 60 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate. For a Certificate with a term of three years or more, the penalty will be equal to 90 days' worth of dividends, whether earned or unearned, which could reduce the principal balance of the Certificate.
**The minimum balance to earn the advertised APY is $25,000 for a 6-month term at the higher rate and $500 for all other Certificate terms.
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Business Share Certificates Why United Texas
- Fixed rate
- Terms from six months to five years
- $500 minimum deposit
I love my United Texas CU...great customer service. Adolfo is such a great person. Very helpful. He makes you feel not like a member, but like a good friend who really cares. I also met Marcy - she was so sweet. This is a great bank with great people who go an extra mile for you.Walter A., member since 2009
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Business Share Certificates How it Works
How to get Business Share Certificates
Getting started with Business Share Certificates is easy. Simply establish membership by opening a business savings account with a minimum opening deposit of $5 or more.
Then open a share certificate with a minimum investment of $500. ($25,000 for a 9 or 15-month certificate)