* Calculated daily; paid monthly on balances of $100 or more. Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Must meet eligibility requirements. Certain restrictions apply. Programs subject to change without notice.
Account Type
Balance
Rate
APY*
Premium Checking
$100 and more
0.050%
0.05%
Savings
Effective Date: October 1, 2021
* Calculated daily; paid monthly on balances of $100 or more. Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.
Account Type
Balance
Rate
APY*
Savings
$100 and more
0.010%
0.01%
Premium Savings
$100 and more
0.250%
0.25%
Money Market
Effective Date: February 3, 2025
* Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member’s checking account.
Our tiered-rate calculation method offers higher rates as your balance increases. The stated interest rate is only paid on the portion of the balance within the specified tier. Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.
Money Market Tier
Rate
APY Range
APY Range (with bonus dividend)
$0 to $10,000
0.010%
0.01%
0.01%
$0 to $10,000 w/ Bonus Dividend
*
0.060%
0.06%
0.06%
$10,000 to $49,999.99
0.150%
0.01-0.12%
0.06–0.13%
$50,000 to $99,999.99
0.499%
0.12-0.31%
0.13-0.32%
$100,000 to $499,999.99
0.995%
0.31-0.86%
0.32-0.86%
$500,000 to $999,999.99
2.472%
0.86-1.68%
0.86-1.68%
$1,000,000 and Greater
3.203%
1.68-3.25%
1.68-3.25%
Fixed Rate Certificates
Effective Date: April 14, 2025
A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on account.
Term
Rate
APY
3 Month
3.928%
4.00%
6 Month
4.121%
4.20%
12 Month
3.928%
4.00%
18 Month
3.735%
3.80%
24 Month
3.735%
3.80%
24 Month Step-Up
3.590%
3.65%
36 Month
3.687%
3.75%
48 Month
3.687%
3.75%
60 Month
3.687%
3.75%
Business Credit Cards
Rate is fixed at the time your application is approved. Cash Back redemption starts at 1,000 Points. For example 1,000 Points = $ 10 Cash Back.
Annual Percentage Rate (APR) based on your credit and risk score
Card Type
Excellent
Good
Average
Great Rate VISA®
13.90%
14.90%
15.90%
Cash Back VISA®
15.90%
16.90%
17.90%
Travel Rewards VISA®
15.90%
16.90%
17.90%
Business Auto Loans
Term restrictions may apply.
A loan documentation fee of $175 will be assessed at closing.
Annual Percentage Rate (APR) based on your credit and risk score
Term
Excellent
Good
Average
12 to 48 Months
6.50%
7.00%
7.50%
49 to 66 Months
7.00%
7.50%
8.00%
Equipment Loans
Term restrictions may apply.
A loan documentation fee of $175 will be assessed at closing.
Annual Percentage Rate (APR) based on your credit and risk score
Term
Excellent
Good
Average
12 to 36 Months
9.00%
9.50%
10.00%
37 to 60 Months
9.50%
10.00%
10.50%
Current Rates for Lines of Credit $100,000 or Less
All rates are indexed to Wall Street Journal Prime Rate of the previous month. Your rate during the 2-year revolving period is set on the first day of each month. On the first day of the 25th month, when your 5-year term begins, your rate becomes fixed.
Your rate is fixed on the 25th month, when your 5-year term begins.
A loan documentation fee of $175 will be assessed at closing.
Annual Percentage Rate (APR) based on your credit and risk score
Excellent
Good
Average
11.00%
11.50%
12.00%
Working Capital Loan
A loan documentation fee of $175 will be assessed at closing.
Annual Percentage Rate (APR) based on your credit and risk score
Term
Excellent
Good
Average
12 to 36 Months
10.50%
11.00%
11.50%
37 to 60 Months
11.00%
11.50%
12.00%
Business Account Fees
Account Fees
Analysis fee
First 50 are free (per month, $0.10 for each additional item)