All Business Deposit 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.
BUSINESS CERTIFICATES RATES
| Type | APY | Minimum Daily Balance to Open Account and Earn APY |
|---|---|---|
| Three-Month | 0.40% | $1,000 |
| Six-Month | 1.30% | $1,000 |
| One-Year | 1.75% | $1,000 |
| Two-Year | 1.00% | $1,000 |
| Three-Year | 1.00% | $1,000 |
| Four-Year | 1.00% | $1,000 |
| Five-Year | 1.00% | $1,000 |
Annual percentage yields (APYs) listed for certificate accounts also apply to any certificate accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). APYs effective as of 12/13/2019 and may change at maturity. 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 | 0.50% | $1,000 | $1,000 | $5/month | None | None |
| $5,000-$9,999.99 | 0.55% | $1,000 | $1,000 | $5/month | None | None |
| $10,000-$24,999.99 | 0.80% | $1,000 | $1,000 | $5/month | None | None |
| $25,000-$49,999.99 | 0.85% | $1,000 | $1,000 | $5/month | None | None |
| $50,000-$249,999.99 | 1.50% | $1,000 | $1,000 | $5/month | None | None |
| $250,000.00-$999,999.99 | 1.60% | $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 3/1/2019 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.
