Business Savings / Money Market & Certificates

Make your cash work as hard as you do with our federally-insured business savings solutions. Choose the account that meets your savings objectives and time horizon:

  • Business Savings - Ideal for smaller balances and maximum liquidity
  • Business Money Market - Offers liquidity and higher yields for higher balances
  • Business Certificate - Earns more with terms from 1 month to 5 years
  Business Savings Business Money Market Account Business Certificates
Account Description For maximum liquidity and smaller balances. Liquidity and higher yields for higher balances. A wide range of terms between 1-60 months.
Interest Rate View rates View rates View rates
Minimum Opening Deposit $100 $1,000 $1,000
Check Writing    
Monthly Service Fee Free with a minimum average daily balance of $100 or a $5 monthly service fee Free with a minimum average daily balance of $2,500 or a $10 monthly service fee $0
Account Benefits
  • Make up to six electronic withdrawals per month at no cost.
  • Unlimited withdrawals at any branch, ATM, or request a check request over the phone.
  • Tiered interest rates that pay more as your balance increases.
  • Check-writing privileges*.
  • Overdraft protection when this account is linked to a business checking account.
  • ATM access with a Business ATM card.
Savings for future business needs.

* Maximum of three checks written in a one-month period.

Get personal assistance from our skilled team of representatives. Call (888) 255-3637 or initiate an online Live Chat discussion.

  • Designate and authorize multiple account users
  • Set specific authorizations for each user
  • Pay bills
  • See copies of your cleared checks
  • Get your monthly statement delivered electronically with e-Statements

Enjoy fee-free access to more than 30,000 CO-OP ATMs across the country.

Make deposits or withdrawals, and take advantage of the complete range of teller services at over 5,000 participating credit unions in the Shared Branch Network.

Savings Rates - Business
Rates Effective: 10/31/19
Savings Account Balance Dividend Rate Annual Percentage Yield (APY)
Less than $49,999.99 0.05% 0.05%
$50,000 or greater 0.10% 0.10%

Savings accounts have variable rates. All dividends are compounded and paid monthly. 

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings. 

Money Market Rates – Business
Rates Effective: 10/31/19
Money Market Dividend Rate Annual Percentage Yield Range
$1,000 to $9,999.99 0.20% 0.20%
$10,000 to $24,999.99 0.25% 0.25%
$25,000 to $49,999.99 0.30% 0.30%
$50,000 or greater 0.35% 0.35%

Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly. 

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings. 

Certificate - Business
Rates Effective: 10/31/19
Minimum Term $1,000 Minimum Balance
1 month 0.25% rate 0.25% APY
3 months 0.40% rate 0.40% APY
6 months 0.65% rate 0.65% APY
12 months 1.15% rate 1.15% APY
24 months 1.45% rate 1.45% APY
36 months 1.55% rate 1.56% APY
48 months 1.70% rate 1.71% APY
60 months 2.47% rate 2.50% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. Certificate accounts have a fixed rate. All dividends are compounded and paid monthly and/or at maturity. A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than or equal to 12 months may have a penalty equal to 90 days of dividends on the amount withdrawn; Terms greater than 12 months may have a penalty equal to 180 days of dividends on the amount withdrawn. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. 

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings. 

Reset Certificate - Business
Rates Effective: 10/31/19
Minimum Term $1,000 Minimum Balance
12 months 1.25% rate 1.26% APY
24 months 1.55% rate 1.56% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. All Certificates are compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly.

After account opening, you have the option to ReSet your rate one time during the initial term of your certificate by choosing your reset rate from the effective Traditional Certificate rate of the same term. Your ReSet rate will be effective from the date you contact us and may take up to one business day to process.

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings.