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Business Deposit Rates
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Business Accounts
Effective Date Effective May 20, 2013
Rates Subject to Change Daily |
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DIVIDEND RATE |
APY |
MIN. BAL TO EARN APY |
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Free Business Checking |
0.050% |
.05% |
$5,000 |
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Business Checking Plus |
0.050% |
.05% |
$1,000 |
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High Yield Business Checking |
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Balances more than $100,000 |
0.400% |
0.40% |
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$75,000 or more but less than $100,000 |
0.400% |
0.40% |
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$50,000 or more but less than $75,000 |
0.300% |
0.30% |
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$25,000 or more but less than $50,000 |
0.200% |
0.20% |
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$10,000 or more but less than $25,000 |
0.150% |
0.15% |
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$2,500 or more but less $10,000 |
0.100% |
0.10% |
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$1,000 or more but less than $2,500 |
0.050% |
0.05% |
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Balances less than $1,000 |
0.050% |
0.05% |
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Business Savings Account |
0.100% |
0.10% |
$100 |
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Business Savings Plus* |
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Balances more than $100,000 |
0.400% |
0.40% |
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$75,000 or more but less than $100,000 |
0.400% |
0.40% |
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$50,000 or more but less than $75,000 |
0.300% |
0.30% |
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$25,000 or more but less than $50,000 |
0.200% |
0.20% |
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$10,000 or more but less than $25,000 |
0.150% |
0.15% |
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$2,500 or more but less $10,000 |
0.100% |
0.10% |
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$1,000 or more but less than $2,500 |
0.050% |
0.05% |
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Balances less than $1,000 |
0.050% |
0.05% |
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*must have a Business Checking Plus Account |
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Ask us about our Health Savings Accounts (HSAs) |
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Term Certificates***
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ACCOUNT |
DIVIDEND RATE |
APY* |
MIN BAL TO EARN APY |
Relationship Premium^ Rate |
Relationship Premium^ APY* |
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Three Months |
0.150% |
0.15% |
$500 |
0.550% |
0.55% |
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Six Months |
0.200% |
0.20% |
$500 |
0.600% |
0.60% |
| One Year |
0.250% |
0.25% |
$500 |
0.650% |
0.65% |
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Two Years |
0.500% |
0.50% |
$500 |
0.900% |
0.90% |
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Thirty Months |
0.550% |
0.55% |
$500 |
0.950% |
0.95% |
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Three Years |
0.750% |
0.75% |
$500 |
1.140% |
1.15% |
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Four Years |
1.000% |
1.00% |
$500 |
1.390% |
1.40% |
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Five Years |
1.090% |
1.10% |
$500 |
1.490% |
1.50% |
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Look Closer |
| 8 Months |
0.300% |
0.30% |
$500 |
0.700% |
0.70% |
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Individual Retirement Accounts - IRA/SEP1** |
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Three Months |
0.150% |
0.15% |
$500 |
0.550% |
0.55% |
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Six Months |
0.200% |
0.20% |
$500 |
0.600% |
0.60% |
| One Year |
0.250% |
0.25% |
$500 |
0.650% |
0.65% |
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Two Years |
0.500% |
0.50% |
$500 |
0.900% |
0.90% |
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Thirty Months |
0.550% |
0.55% |
$500 |
0.950% |
0.95% |
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Three Years |
0.750% |
0.75% |
$500 |
1.140% |
1.15% |
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Four Years |
1.000% |
1.00% |
$500 |
1.390% |
1.40% |
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Five Years |
1.090% |
1.10% |
$500 |
1.490% |
1.50% |
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Look Closer |
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8 Months |
0.300% |
0.30% |
$500 |
0.700% |
0.70% |
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1If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period (IRAs Only).
^ Relationship Premium Rates Apply to Term Certificates and IRAs only. Receive a higher dividend based on your total relationship: Checking with Direct Deposit earns an extra 0.25%,
A Mortgage Product earns an extra 0.10%, A Consumer Loan earns an extra 0.15%, Checking without Direct Deposit (open for at least one year) earns an extra 0.15% over our standard rates.
There are no annual maintenance fees on IRA accounts. |
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*Annual Percentage Yield
**Penalty may be imposed for early withdrawal. Fees could reduce earnings on account.
***Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government. |
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