Business Account Rates
| Business Certificate Accounts¹** | $1,000 APY* / Rate | $10,000 APY* / Rate | $25,000 APY* / Rate | $100,000 APY* / Rate |
|---|---|---|---|---|
| 3-Month | 3.50%/3.44% | 3.50%/3.44% | 3.50%/3.44% | 3.50%/3.44% |
| 6-Month | 3.25%/3.20% | 3.25%/3.20% | 3.25%/3.20% | 3.25%/3.20% |
| 12-Month | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% |
| 18-Month | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% |
| 24-Month | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% |
| 36-Month | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% |
| 48-Month | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% |
| 60-Month | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% |
*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
¹A penalty may be imposed for early withdrawals.
** New Money Required
| Business Checking Accounts | Minimum to Open | APY* | Rate |
|---|---|---|---|
| Free Business Checking | $25 | n/a | n/a |
| Platinum Business Checking | $25 | 0.20% | 0.19% |
*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
| Business Savings Accounts¹ | Minimum to Open | APY* | Rate |
|---|---|---|---|
| Business Savings | $250 | 0.30% | 0.29% |
*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings. Rates are rounded to 2 decimal points.
¹ Minimum to earn stated APY is $0.01.
| Business Secured Loans² | Loan Amount | Maximum Term | Annual Percentage Yield (APY)¹ | Origination of Annual Fees |
|---|---|---|---|---|
| Secured by Commercial Real Estate | $500,000-$3,500,000 | Up to 10 years; 25 or 30 year amortization | Call for quote | Call for quote |
1 APY = Annual Percentage Yield.
2 Rates and maximums subject to change without notice and subject to credit worthiness, collateral values, and other loan policies. The information furnished here is preliminary. This is not an offer or commitment. Rates, terms and conditions may change without notice. All transactions are subject to approval. Approval terms may vary. See disclosures for complete details on terms and conditions for all products and services.
| Business Tiered Money Market Accounts¹ | Minimum to Earn APY* | APY* | Rate |
|---|---|---|---|
| $500,000+ | 1.10% | 1.09% | |
| $250,000 - $499,999.99 | 1.05% | 1.04% | |
| $100,000 - $249,999.99 | 1.00% | 0.99% | |
| $50,000 - $99,999.99 | 0.75% | 0.74% | |
| $25,000 - $49,999.99 | 0.65% | 0.64% | |
| $2,500 - $24,999.99 | 0.55% | 0.54% |
*APY = Annual Percentage Yield
¹ Balances under the stated minimum earn 0.30% APY
| Business Advantage Money Market Account | Minimum to Earn APY² | APY¹ | Rate |
|---|---|---|---|
| $0.01-$19,999.99 | 0.15% | 0.15% | |
| $20,000+ | 3.50% | 3.44% |
2APY = Annual Percentage Yield.
| Business Unsecured Lines of Credit² | Loan Amount | Annual Percentage Yield (APY)¹ | Origination or Annual Fees | Minimum Adjustment Period |
|---|---|---|---|---|
| Business Mastercard | $5,000-$35,000 | 11.74% to 18.74% | Annual Fee: $50.00 | Monthly |
1APY = Annual Percentage Yield.
2The minimum opening deposit is $5.00. There is no minimum balance fee for this account. This is a variable-rate money market account based on your daily balance. 3.50% APY/3.440% Rate applicable on balances of $20,000.00 and higher. Rate may change without notice at the sole discretion of the Credit Union. Dividends are paid at the rate corresponding to each day’s full balance. The APY on the account is reduced to 0.15% APY if on any day the end of day balance falls below $20,000.00. The minimum required to earn any dividend is $0.01. Membership subject to approval.