Business Share Certificates

Business Share Certificate Accounts are investment accounts for members that are business owners who want to earn a higher dividend rate and do not need immediate access to their funds.


An investment strategy that always pays off for your business

HFCU’s Business Share Certificate Accounts are built with flexibility in mind. With different minimum share amounts and terms, our accounts may pay better than other competitive dividend rates and might be the perfect fit for our members business investment needs.*

Flexible-Term Certificate

  • $500 minimum deposit
  • Choose Certificates ranging from 6 to 60 months
  • In general, longer-term Certificates feature the highest rates
  • Dividends may be compounded quarterly or paid monthly to a different account
  • Early withdrawal may mean loss of dividend earnings, but your initial deposit is never at risk1
  • Deposits up to $250,000 protected by the National Credit Union Administration, a federal government agency

IRA Flexible-Term Certificate

  • Can be part of Traditional or Roth IRA or Coverdell Education Savings Account
  • $500 minimum deposit
  • Choose Certificates ranging from 6 to 60 months
  • Higher dividend rates than our regular Flexible-Term Certificates
  • Dividends may be compounded quarterly or paid monthly to a separate account

Jumbo Flexible-term Certificate

  • $100,000 minimum deposit
  • Choose Certificates ranging from 6 to 60 months
  • Higher dividend rates than our regular Flexible-Term Certificates
  • Dividends may be compounded quarterly or paid monthly to a separate account

Short-Term Certificate

  • $7,500 minimum deposit
  • Choose Certificates ranging from 7 to 91 days
  • Dividends are paid at maturity date
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*Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.

1A penalty will be imposed for early withdrawal of principal prior to maturity. Fees and other restrictions may apply. Fees and other conditions could reduce earnings on account.

Refer to the applicable Share Certificate TIS Disclosure Supplement for further disclosures.

***APY = Annual Percentage Yield. Rates are subject to change weekly. Fees and other conditions could reduce the earnings on the account.

Houston Federal Credit Union is a full-service financial institution serving Greater Houston, Texas, with branches in Sugar Land, Houston, Rosenberg and Missouri City, as well as Greenville, South Carolina.