All Business Deposit Rates
BUSINESS SHARE SAVINGS RATES
BUSINESS SPECIAL SAVINGS RATES
BUSINESS BASIC CHECKING RATES
BUSINESS NON-PROFIT CHECKING RATES
BUSINESS SHARE SAVINGS RATES
| Type | APY | Minimum Daily Balance to Earn APY | Minimum Opening Deposit | Minimum Daily Balance to Avoid Fee | Below Minimum Balance Fee | Monthly Transaction Fee | Monthly Fee |
|---|---|---|---|---|---|---|---|
| Share Savings | 0.10% | None | $25 | $100 | $10/month | None | None |
Annual Percentage Yields effective as of 11/7/2016 and may change after account opening. The minimum balance requirement and below minimum balance fee applies if: i) your business maintains only a membership account and ii) your business has not used the membership account for six (6) consecutive months.
BUSINESS SPECIAL SAVINGS RATES
| Type | APY | Minimum Daily Balance to Earn APY | Minimum Opening Deposit | Minimum Daily Balance to Avoid Fee | Below Minimum Balance Fee | Monthly Transaction Fee | Monthly Fee |
|---|---|---|---|---|---|---|---|
| Special Savings | 0.10% | None | $5 | None | None | None | None |
Annual Percentage Yields effective as of 11/7/2016 and may change after account opening.
BUSINESS BASIC CHECKING RATES
| Type | APY | Minimum Daily Balance to Earn APY | Minimum Opening Deposit | Minimum Daily Balance to Avoid Fee | Below Minimum Balance Fee | Monthly Transaction Fee | Monthly Fee |
|---|---|---|---|---|---|---|---|
| Business Basic Checking | None | None | $100 | None | None | $.25/item; first 25 free | $6 per month (waived if less than 26 debit and/or credit items per month) |
Annual Percentage Yields effective as of 11/7/2016 and may change after account opening.
BUSINESS NON-PROFIT CHECKING RATES
| Tier | APY | Minimum Daily Balance to Open Account and Earn APY | Minimum Daily Balance to Avoid Fee | Below Minimum Balance Fee | Transaction Fee | Monthly Fee |
|---|---|---|---|---|---|---|
| $100 – $999.99 | 0.05% | $100 | None | None | $.25/item; first 200 free | $6 (waived if $4,000 aggregate deposit and loan balance maintained) |
| $1,000 – $4,999.99 | 0.05% | $100 | None | None | $.25/item; first 200 free | $6 (waived if $4,000 aggregate deposit and loan balance maintained) |
| $5,000 – $9,999.99 | 0.10% | $100 | None | None | $.25/item; first 200 free | $6 (waived if $4,000 aggregate deposit and loan balance maintained) |
| $10,000 – $24,999.99 | 0.10% | $100 | None | None | $.25/item; first 200 free | $6 (waived if $4,000 aggregate deposit and loan balance maintained) |
| $25,000 and over | 0.20% | $100 | None | None | $.25/item; first 200 free | $6 (waived if $4,000 aggregate deposit and loan balance maintained) |
Annual Percentage Yields effective as of 11/7/2016 and may change after account opening.
SMALL BUSINESS CHECKING RATES
| Type | APY | Minimum Daily Balance to Earn APY | Minimum Opening Deposit | Minimum Daily Balance to Avoid Fee | Below Minimum Balance Fee | Monthly Transaction Fee | Monthly Fee |
|---|---|---|---|---|---|---|---|
| Tier 1: $1,000 – $4,999.99 | 0.05% | $1,000 | $100 | None | None | $.25/item; first 200 free | $6 (waived if $7,500 aggregate deposit and loan balance maintained) |
| Tier 2: $5,000 – $9,999.99 | 0.05% | $1,000 | $100 | None | None | $.25/item; first 200 free | $6 (waived if $7,500 aggregate deposit and loan balance maintained) |
| Tier 3: $10,000 – $24,999.99 | 0.10% | $1,000 | $100 | None | None | $.25/item; first 200 free | $6 (waived if $7,500 aggregate deposit and loan balance maintained) |
| Tier 4: $25,000 and over | 0.15% | $1,000 | $100 | None | None | $.25/item; first 200 free | $6 (waived if $7,500 aggregate deposit and loan balance maintained) |
Annual Percentage Yields effective as of 11/7/2016 and may change after account opening.
BUSINESS CHECKING RATES
| Type | APY | Minimum Daily Balance to Earn APY | Minimum Opening Deposit | Minimum Daily Balance to Avoid Fee | Below Minimum Balance Fee | Monthly Transaction Fee | Monthly Fee |
|---|---|---|---|---|---|---|---|
| Tier 1: $1,000 – $4,999.99 | 0.05% | $1,000 | $100 | None | None | $.12/item | $6 |
| Tier 2: $5,000 – $9,999.99 | 0.05% | $1,000 | $100 | None | None | $.12/item | $6 |
| Tier 3: $10,000 – $24,999.99 | 0.10% | $1,000 | $100 | None | None | $.12/item | $6 |
| Tier 4: $25,000 and over | 0.15% | $1,000 | $100 | None | None | $.12/item | $6 |
Annual Percentage Yields effective as of 11/7/2016 and may change after account opening.
21-MONTH CD SPECIAL RATES
Grow your savings faster with our NEW 21-Month CD Special. This limited-time offer is available through August 8, 2018. Don’t miss out! Learn more.
| Account Type | Minimum Daily Balance to Earn APY | Minimum Balance to Open Account | APY |
|---|---|---|---|
| 21-Month CD (New Money) | $500 | $500 | 2.50% |
Annual Percentage Yield (APY) listed for certificate accounts also apply to any certificate accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). APY effective as of 5/16/2018 and subject to change without notice. Limited-time offer until 8/8/2018. Offer requires new money not currently on deposit at VSECU. Fees could reduce earnings. Early withdrawal penalties may apply.
IS ALL OF YOUR MONEY ALREADY WITH VSECU?
Though new money is important to the health of the credit union, we value the loyalty of our members. To demonstrate our appreciation, we are offering a 21-Month CD Special for existing money, which offers a 1.40% APY. As with the new money special offer, this is a limited-time offer that ends on August 8, so act now!
| Account Type | Minimum Daily Balance to Earn APY | Minimum Balance to Open Account | APY |
|---|---|---|---|
| 21-Month CD (Existing Money) | $500 | $500 | 1.40% |
Annual Percentage Yield (APY) listed for certificate accounts also apply to any certificate accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). APY effective as of 5/11/2018 and subject to change without notice. Limited-time offer until 8/8/2018. Fees could reduce earnings. Early withdrawal penalties may apply.
BUSINESS CERTIFICATES RATES
| Type | APY | Minimum Daily Balance to Open Account and Earn APY |
|---|---|---|
| 3 Month | 0.40% | $1,000 |
| 6 Month | 0.50% | $1,000 |
| 1 Year | 0.85% | $1,000 |
| 2 Year | 0.95% | $1,000 |
| 3 Year | 1.05% | $1,000 |
| 4 Year | 1.15% | $1,000 |
| 5 Year | 1.25% | $1,000 |
Annual Percentage Yields (APYs) effective as of 5/11/2018 and subject to change without notice. Fees could reduce earnings. Early withdrawal penalties may apply.
BUSINESS MONEY MARKET RATES
| Tier | APY | Minimum Daily Balance to Open Account and Earn APY | Minimum Daily Balance to Avoid Fee | Below Minimum Balance Fee | Monthly Transaction Fee | Monthly Fee |
|---|---|---|---|---|---|---|
| $1,000-$4,999.99 | 0.25% | $1,000 | $1,000 | $5/month | None | None |
| $5,000-$9,999.99 | 0.30% | $1,000 | $1,000 | $5/month | None | None |
| $10,000-$24,999.99 | 0.40% | $1,000 | $1,000 | $5/month | None | None |
| $25,000-$49,999.99 | 0.45% | $1,000 | $1,000 | $5/month | None | None |
| $50,000-$249,999.99 | 0.75% | $1,000 | $1,000 | $5/month | None | None |
| $250,000.00-$999,999.99 | 1.25% | $1,000 | $1,000 | $5/month | None | None |
| $1,000,000.00 and up | 2.00% | $1,000 | $1,000 | $5/month | None | None |
Rates and yields effective as of 5/11/2018 and may change after account opening. Fees could reduce earnings.
IORTA & IOLTA RATES
| Type | APY | Minimum Daily Balance to Earn APY | Minimum Daily Balance to Avoid Fee | Below Minimum Balance Fee | Monthly Transaction Fee | Monthly Fee |
|---|---|---|---|---|---|---|
| IOLTA Checking | 1.00% | $100 | None | None | None | None |
| IORTA Checking | 1.00% | $100 | None | None | None | None |
Annual Percentage Yields effective as of 11/7/2016 and may change after account opening.
