Business Share Certificate
Make your savings work harder for you.
Get bigger earnings and more flexibility with a Valley First Business Share Certificate.
Rates As high as 3.75% APY1 for 12 Months term. See All Rates
Key features and benefits:
- Earn up to 3.75% APY with our Business Share Certificate.
- Tiered dividends based on term.
- 6 – 36 month terms available.
Simple at it’s best:
Keeping it simple, there’s no minimum balance for Business Share Certificates and no monthly services fees.
- Dividends may be: Transferred to savings or checking, added to principle and withdrawn without penalty at maturity, and automatically mailed monthly.
- Renewal terms provided at certificate opening or renewal.
- Early withdrawal penalties may apply.
Access, anytime anywhere:
Your financial journey knows no limits at Valley First. With our 24/7 online and mobile banking, eStatements, Bill Pay, and Valleyline services, your Business Share Certificate is always within reach, ready whenever you are.
Elevate your savings:
Take your savings to the next level with a Business Share Certificate. Open yours today and immerse yourself in a savings experience as flexible as your business demands, all while reaping the impressive dividends that propel you closer to your financial objectives.
Account Terms:
To establish a Business Share Certificate, you must have a Business Primary Share2. A completed and signed Business Membership application is required.
Savings Covered by the NCUA
At Valley First, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about Share Insurance Coverage provided by the National Credit Union Administration.
1 APY = Annual Percentage Yield. Rate accurate as of 11.01.2026. Rate may vary at the time of maturity or renewal. Rates vary depending on Terms. No minimum balance to obtain APY. No minimum opening deposit. Early withdrawal penalties may apply. Fees may reduce earnings. Further information about early withdrawal penalties, renewal and terms will be provided at certificate opening or renewal.
Dividends are calculated using the “average daily balance method.” This method adds up all of the daily balances from each day of the dividend period and divides by the number of days in the dividend period to determine the average daily balance. The average daily balance is multiplied by the daily periodic rate by the number of days in the dividend period to calculate your dividends earned, if any.
Refer to Business Account Product and Fee Schedule for other disclosures that may apply.
2 Business Primary Share Savings account requires a $100 minimum deposit, along with a one-time $5.00 membership fee. You must provide a valid form of ID, all required business/organization documentation as defined by the entity type. Signers must be 18 year of age, or older. ChexSystems verification for all authorized signers. Credit report may be required for authorized signers.