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Certificates

A Business Certificate is a secure savings tool, offering predictable returns for nonprofits planning future projects, small businesses looking to build cash reserves, and larger companies seeking to diversify investment portfolios.
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Our rates can help you reach your financial goals.

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Certificates offer fixed rates for a set term.
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Choose Certificate terms ranging from 6 months to 7 years.
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Guaranteed returns when you allow the Certificate to reach maturity date.2

For peak performance, maximize consistency of cash flow with multiple Certificates.

 
If your business or nonprofit is looking to benefit from the higher returns of long-term Certificates without sacrificing liquidity, Indiana Members Credit Union can help. Our business team in Central and Southern Indiana can show you a strategy known as laddering. You invest in a series of Certificates – from several months to several years – with one of them always nearing its maturity date. 
 
  • Minimum investment of $1,0001.
  • Choose from the following terms: 6 months, 1 year, 2 years, 3 years, 4 years, 5 years, and 7 years along with any current special rates.
  • Safe, secure savings tool that allows you to lock in a fixed rate for the entire Certificate term.
  • Calculate potential returns on single Certificates and on Certificate ladders with our free, online calculators.
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Current Certificate Rates

Put these fixed rates to work and grow your savings. 

View Current Rates 




















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Get immediate access to funds anytime with a Business Savings account. 


When you need more flexibility, consider our Business Savings. You can make unlimited deposits and withdraw cash whenever you need it. Plus, the tiered rate structure delivers higher dividends for larger balances. 











































































Grow your business's savings with confidence with a savings account from Indiana Members Credit Union.
 
1Membership savings account required. $1,000 minimum deposit. APY = Annual Percentage Yield. Rates subject to change at any time. 
2Early withdrawal penalty may apply and could reduce earnings. See IMCU’s fee disclosure for details.