Most certificates just want your money. This one wants to know you.

Grow your cash with up to 4.15% APY when your business banking relationship is working for you. The Access Advantage 12-Month Certificate is designed for business owners who want everyday banking to unlock better returns for their company’s cash.

Open this certificate with Business ACCESS, Business Plus ACCESS, Business Premier, Commercial ACCESS, or Community ACCESS checking, and watch your money work harder.

At a glance
  • Up to 4.15% APY with a qualifying business checking account
  • A competitive 3.90% APY even without one
  • Quarterly interest payments
  • Simple, transparent structure

Whether you’re saving for payroll cycles, capital purchases, or rainy-day reserves, this structure gives your business a reason to bank smarter, not just park funds.

Pick your relationship 

Step 1: Pair with the right business checking
Choose one of our business checking accounts — Business ACCESS, Business Plus ACCESS, Business Premier, Commercial ACCESS, or Community ACCESS — when you open the certificate.

Step 2: Earn the higher rate
When your business checking account is open at the time of certificate opening, your CD opens at 4.15% APY.

Step 3: Keep the relationship working for you
The higher APY is earned while the business checking account remains open and in good standing. If the qualifying checking account is closed or no longer in good standing at any time during the term, the certificate rate will adjust to 3.90% APY for the remainder of the certificate term.

Qualification may not be evaluated immediately after opening, allowing time for activity like direct deposit or ACH to begin.

 

 Business ACCESS Checking 

 Business Plus ACCESS Checking 

Business Premier Checking  

Built for smaller businesses and startups that want essential features plus digital convenience.

  • Designed for businesses with lighter transaction volumes
  • Easy online and mobile banking
  • Integration with accounting tools like QuickBooks
  • Debit card included

For businesses with moderate transaction activity and growing cash flow needs.

  • More free transactions than entry-level accounts
  • Remote deposit and ACH capabilities
  • Free e-Statements and online banking
  • Helps streamline day-to-day operations

Account for businesses with higher transaction volume and broader needs.

  • Higher free transaction thresholds
  • Remote deposit capture and cash management integration
  • Debit card plus optional services like ATMs and sweep options
  • Well-suited for busy operations

Commercial ACCESS Checking

Community ACCESS Checking


Engineered for businesses that want advanced capabilities and earnings credit solutions.

  • Unlimited transactions
  • Earnings credit to offset service costs
  • Comprehensive cash management services
  • Strong treasury toolkit support

Perfect for nonprofits and mission-driven organizations, with easy access and no minimum balance requirements.

  • No monthly service fee
  • First 300 transactions free
  • Designed for churches, associations, and nonprofit entities


 

Ready to put your business cash to work?

Stop letting your idle funds sit. A certificate that actually rewards your business relationship is here.

Get Started

 

Frequently Asked Questions

Is the 4.15% APY guaranteed for 12 months?
The certificate opens at 4.15% APY when paired with a qualifying business checking account. The higher rate is earned while the checking account remains open and in good standing.
 
What happens if the business checking account closes?
If the qualifying checking relationship ends at any point during the term, the rate adjusts to 3.90% APY for the remainder of the term. The certificate stays open and continues earning interest.
 
Can the rate increase again later?
No. Once the rate adjusts, it stays at that level through maturity.
 
How is interest paid?
Interest is paid quarterly based on the rate in effect during each period.


Annual Percentage Yield (APY) is current as of 01/11/2026 and is subject to change without notice. A $1,000 minimum deposit is required to open the certificate and obtain the stated APY. A penalty may be imposed for early withdrawal. No brokered deposits or institutional funds.

The Access Advantage 12-Month Certificate is available when opened with an eligible personal or business checking account. At account opening, the certificate will earn 4.15% APY when a qualifying checking account is open.

For personal checking relationships, the higher APY is earned while the associated checking account qualifies for its high-yield interest rate, as outlined in the applicable account disclosures.

For business checking relationships, the higher APY is earned while the associated checking account remains open and in good standing.

Qualification may not be evaluated immediately following account opening to allow time for qualifying activity to begin. If the qualifying checking account does not meet applicable requirements at any time during the certificate term, the certificate rate will be adjusted to 3.90% APY and will remain in effect for the remainder of the term. Interest is paid quarterly.