Business Rates

Effective Date: 12-22-2022

Business Checking

AccountMinimum Opening Deposit

Balance Tiers

Interest RateAPY*
Business Checking $50 -- -- --
Select Business Checking $1,000 $1,000 - $19,999.99 -- --
$20,000+ 0.20% 0.20%

Platinum Business Checking

Requires Business Online RDC or ACH Services
(subject to additional fees)

$1,000 $0 - $19,999.99  -- --
 $20,000 - $49,999.99 0.20%   0.20% 
$50,000 - $99,999,99 0.30% 0.30%
$100,000 - $499,999.99 0.40% 0.40%
$500,000 + 0.50% 0.50%
Print Rates

Business Savings

AccountMinimum Opening Deposit

Balance Tiers

Interest RateAPY*
Business Savings $50 $10+ 0.25% 0.25%
Business Money Market $2,500  $2,500 - $4,999.99  0.75%  0.75%
$5,000 - $19,999.99 0.85% 0.85%
$20,000 - $49,999.99 1.05% 1.06%
$50,000 - $99,999.99 2.70% 2.73%
$100,000 - $499,999.99 2.85% 2.89%
$500,000 + 3.00% 3.04%
Print Rates

Certificate of Deposit (CD) & IRA

 Account 

Standard

Jumbo**
Opening Deposit Term Length Interest Rate APY* Interest Rate APY*
$500 91 Day CD 1.50% 1.51% 1.75% 1.76%
182 Day CD 2.00% 2.01%  2.25% 2.26%
1 Year CD or IRA 3.00% 3.02%  3.25% 3.28%
18 Month CD or IRA 3.50% 3.53% 3.75% 3.79%
24 Month CD or IRA 3.50% 3.53% 3.75% 3.79%
30 Month CD or IRA 3.55% 3.58% 3.80% 3.84%
36 Month CD or IRA 3.75% 3.79% 4.00% 4.04%
48 Month CD or IRA 3.45% 3.48% 3.70% 3.73%
60 Month CD or IRA 3.55% 3.58% 3.80% 3.84%

Print Rates

*APY = Annual Percentage Yield. The annual percentage yield assumes interest will remain on deposit for on year
**Jumbo CD rates are available for certificate balances $250,000 & above. Rates only apply when additional qualifications are met.

Interest will be compounded and credited to the Certificate of Deposit semi-annually. A withdrawal of interest will reduce earnings.
A penalty may be imposed for early withdrawal. Rates listed above may change at our discretion and may be subject to additional requirements. 
Fees may reduce earnings.

At our discretion, the interest rate and annual percentage yield may change. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is monthly.

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