Corporate One FCU is paying just 0.18% for a two-year certificate, and is 20 or more basis points lower across the board on term deposits compared to its competitors. The $3 billion Southeast Corporate FCU is paying 0.49% for the same term, and the $3.2 billion Corporate America CU is paying 0.96%.

Tammy Cantrell, senior vice president, asset liability management, said Corporate One is instead focusing on providing competitive rates on overnight accounts, and growing off-balance sheet assets like those invested through Primary Financial's SimpliCD program.

Additionally, Cantrell said Corporate One doesn't need to raise cash, as cash already represents one-third of its balance sheet. Despite seasonal outflows, the corporate still remains above the $3 billion asset mark.

"But, we do need to be a good overnight provider," she said.

According to June 30 data provided by the NCUA, Corporate One reported 4.83% net worth, the sixth highest capital ratio among 27 corporates, and nearly $32 million in retained earnings.