Business Certificates

A Share Certificate is the credit union version of a Certificate of Deposit (CD). It’s an account you deposit money into for a certain period of time. That money then earns dividends over that period.

Your funds are fully insured by the federal government (NCUA) up to $250,000 so your money is safe and sound while the dividends compound every quarter. It’s a low-risk way to earn a high return on your money.

Here's how it works

  • Deposit a minimum of $1,000 with a guaranteed Annual Percentage Yield1.
  • Collect dividends that are compounded and credited monthly.
  • At the end of your certificate’s term, withdraw your money plus the dividends you’ve earned, or roll over your earnings into a new certificate.


  • Competitive dividend rates
  • No service fees2
  • Dividends can be kept in Certificate or transferred to another UTFCU account3
  • Automatic renewal or transfer at maturity3

To apply or inquire about any of UTFCU’s business services:


(865) 971-1971
(800) 264-1971

The information you'll need to apply:

  • Business documentation such as filing documents, organization documents, articles of incorporation and/or certificate of resolution
  • Business Tax ID
  • Name and address of the business
  • The state in which the business operates
  • The state in which the business was formed
  • Date the business was established
  • The SSN, address, and DOB of the business owners and all beneficial owners. Learn about beneficial owners HERE.