Business savings account rates, fees and disclosure

Business account funds are insured to an aggregate of $250,000 by the National Credit Union Administration (NCUA), an independent agency of the United States government, through the National Credit Union Share Insurance Fund (NCUSIF).

To open a business checking account: Visit a branch. For questions or more information, call us at 1-800-732-0173.

Business savings account rates
Effective Date: Saturday, February 4th, 2023
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Business Basic Savings $100.00 0.15% 0.15%
Business Money Market savings No minimum 0.50% 0.50%
Business Investor's Money Market savings $10,000.00 See table below See table below

Minimum balance to open a Business Basic Savings account is $5.00

Minimum balance to open a Business Money Market savings account is $5.00

Minimum balance to open a Business Investor's Money Market savings account is $10,000.00

*Minimum daily balance that must be maintained each day to earn dividends.

Business Investor's Money Market account rates
Effective Date: Saturday, February 4th, 2023
For account balances ofDividend rateAnnual Percentage Yield (APY)
0 - $9,999 0.00% 0.00%
$10,000 - $24,999 0.70% 0.70%
$25,000 - $49,999 0.90% 0.90%
$50,000 - $99,999 1.09% 1.10%
$100,000+ 1.19% 1.20%

Transaction limitations:

Each account holder agrees to the terms set forth on this Business Truth in Savings disclosure and acknowledges that it is part of the Membership and Account Agreement.


Business savings account fees
Effective Date: Saturday, February 4th, 2023
Fee typeProduct fees
Business Basic Savings account
     $250 minimum balance No charge
     Less than $250 minimum balance $3 / calendar month
Business Money Market account
     $1,000 daily minimum balance No charge
     Less than $1,000 daily minimum balance $15 / statement period
Business Investor's Money Market account
     $10,000 daily minimum balance No charge
     Less than $10,000 daily minimum balance $20 / statement period
     Early account closure fee* $55
* If held less than 90 days
Overdraft Paid (Courtesy Payment)
$10.00 or less No fee
$10.01 or greater $10 per presentment**
Returned Item fee (non-sufficient funds)
$10.00 or less No fee
$10.01 or greater $3 per presentment***

** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.

*** Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted or resubmitted for payment. Therefore, you may be assessed more than one Returned Item fee as a result of a returned item or resubmission(s) of the returned item.

View a complete list of business account fees.

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