Reliable returns for your business
Business certificates offer businesses a secure and reliable way to grow their savings. By setting aside a lump sum for a predetermined term, your business can enjoy higher dividends than traditional savings accounts – perfect for funds you don’t plan to access immediately.
With flexible terms ranging from 3 months to 48 months, Solarity’s business certificates make it easy to choose the option that fits your goals. Maximize your earnings while keeping your financial future on solid ground.
7-month business certificate
A Solarity debit card and a minimum opening deposit of $20,000 in new funds from outside Solarity are required to earn the highest rate. See disclosures for additional account requirements.
Here's the scoop on business certificates
Guaranteed return
Your rate is locked in for the term of the business certificate.
A variety of terms
Choose the timeframe that works for you, from 3 months up to 48 months.
Penalty-free withdrawals
Partial withdrawals of posted dividends are allowed prior to maturity without a penalty.
Certificate-secured loans are available
Use your certificate as collateral to access funds instantly without early withdrawal penalties – repay once it matures!
Compare business savings accounts
| Business savings | Business money market | Business certificates | |
|---|---|---|---|
| This account could be a good fit if... | You have moderate account balances and activity. | You keep a higher balance or process many transactions. | You want to lock in and guarantee a great rate for a fixed term. |
| Earns a monthly dividend | Yes | Yes | Yes |
| Minimum balance to earn dividend | $5 | $0.01 | $500 |
| Minimum opening deposit | $5 | $2,000 | $500 |
| Monthly service charge | $0 | $0 | $0 |
| Access to funds | Flexible – access the money in your account when you need it without penalty. | Flexible – access the money in your account when you need it without penalty. | Limited – partial withdrawals of posted dividends are allowed before maturity without a penalty. |
Business banking resources
From getting started with the right documents to exploring loan options and finding quick answers to your questions, we've gathered the tools and resources you need to stay ahead.
Business account documentation checklist
Ready to open a business account? Let's start by making sure your paperwork is in order. Click below to review the documents you’ll need based on your business type.
Open checklist
Commercial loan calculator
Curious about how much financing your business could qualify for? Use our commercial loan calculator to explore your options and plan your next move with confidence.
Let's do the math
Business credit cards
Empower your business with Solarity’s Business Credit Card, offering flexible spending limits, competitive rates and the technology you need to manage expenses and streamline cash flow with ease.
Learn moreFrequently asked questions about business certificates
Certificates are similar to certificates of deposit (CDs), but certificates are issued by credit unions and CDs are issued by banks. At Solarity, we offer great rates on certificates with a variety of term options. Click here to view today's rates.
Opening an account is easy, and you can do it online, over the phone or in person at one of our branch locations.
We’ll need documentation and information about you and your business to establish your business account with us. Please refer to our helpful business account documentation checklist to learn more about what documents are needed for your type of business entity.
Please allow one business day for us to process your account application. If you have any questions, don't hesitate to call us at 800.347.9222.
Solarity membership is open to everyone! You qualify to join Solarity if one of the following applies:
- You live, work, worship or attend school in the state of Washington -or-
- You have a family member who is already a Solarity member -or-
- You are a member of the GoWest Foundation (you can easily join by becoming a “Friend of the Foundation” for a nominal donation)
Additional restrictions may apply. If you would like to learn more about becoming a Solarity member, get in touch with us! We’ll explain all the options and help you get started.
It only takes a few moments to enroll in online banking. You will need to have a valid email address on file and answer a few questions to verify your identity.
If a valid email address is not on file, give us a call at 800.347.9222, and we'll be happy to assist you.
Click here: Enroll In Online Banking