Business Rates
Rates as of 09/24/2026, variable rates may change. Membership and eligibility required.
Rates for Share Savings, Checking, Money Market and Certificate Accounts
| Effective Date: 04-28-2026 | Dividend Rate | Annual Percentage Yield | Minimum Opening Balance | Minimum Balance to Earn APY | Dividends Compounded & Credited | Dividend Period |
|---|---|---|---|---|---|---|
|
Regular Savings
$0 and over
|
0.05% | 0.05% | $5 | $0.01 | Monthly | Monthly |
|
Essentials Checking
$0 and over
|
0% | 0% | $50 | N/A | Monthly | Monthly |
|
Choice Interest Checking
$0 to $49,999.99
|
0.1% | 0.1% | $50 | $0.01 | Monthly | Monthly |
|
$50,000 to $99,999.99
|
0.15% | 0.15% | ||||
|
$100,000 and over
|
0.2% | 0.2% | ||||
|
Choice Earnings Checking
Subject to account analysis; an earnings credit is applied against eligible service/transaction fees instead of paying a posted dividend rate. See disclosure Section 6.
$0 and over
|
N/A | N/A | $50 | N/A | Not applicable | Not applicable |
|
Non-Profit Checking
$0 and over
|
0% | 0% | $0 | N/A | Monthly | Monthly |
|
Business Money Market
$0 to $49,999.99
|
0.449% | 0.45% | $0 | $0.01 | Monthly | Monthly |
|
$50,000.00 to $99,999.99
|
1.982% | 2% | ||||
|
$100,000.00 to $249,999.99
|
2.472% | 2.5% | ||||
|
$250,000.00 to $499,999.99
|
3.251% | 3.3% | ||||
|
$500,000.00 to $999,999.99
|
3.251% | 3.3% | ||||
|
$1,000,000.00 and over
|
3.687% | 3.75% | ||||
|
Business Growth Money Market
$0 to $4,999.99
|
3.445% | 3.5% | $0 | $0.01 | Monthly | Monthly |
|
$5,000.00 to $19,999.99
|
1.982% | 2.38% - 3.5% | ||||
|
$20,000.00 to $49,999.99
|
1.49% | 1.85% - 2.38% | ||||
|
$50,000.00 and over
|
0.499% | 0.5% - 1.85% | ||||
|
Public Funds Money Market
Government, municipal, or other public entities only
$0 and over
|
3.494% | 3.55% | $0 | $0.01 | Monthly | Monthly |
|
Business Sweep Money Market
$0 to $49,999.99
|
0.698% | 0.7% | $0 | $0.01 | Monthly | Monthly |
|
$50,000.00 to $99,999.99
|
2.227% | 2.25% | ||||
|
$100,000.00 to $249,999.99
|
2.716% | 2.75% | ||||
|
$250,000.00 to $499,999.99
|
3.494% | 3.55% | ||||
|
$500,000.00 to $999,999.99
|
3.494% | 3.55% | ||||
|
$1,000,000.00 and over
|
3.928% | 4% | ||||
|
Business IOLTA Money Market
Licensed attorneys' Interest on Lawyer Trust Accounts
$0 to $49,999.99
|
0.449% | 0.45% | $0 | $0.01 | Monthly | Monthly |
|
$50,000.00 to $99,999.99
|
1.982% | 2% | ||||
|
$100,000.00 to $249,999.99
|
2.472% | 2.5% | ||||
|
$250,000.00 to $499,999.99
|
3.251% | 3.3% | ||||
|
$500,000.00 to $999,999.99
|
3.251% | 3.3% | ||||
|
$1,000,000.00 and over
|
3.687% | 3.75% | ||||
|
Business UARHOF Money Market
Available only to eligible UARHOF accounts.
$0 to $49,999.99
|
0.449% | 0.45% | $0 | $0.01 | Monthly | Monthly |
|
$50,000.00 to $99,999.99
|
1.982% | 2% | ||||
|
$100,000.00 to $249,999.99
|
2.472% | 2.5% | ||||
|
$250,000.00 to $499,999.99
|
3.251% | 3.3% | ||||
|
$500,000.00 to $999,999.99
|
3.251% | 3.3% | ||||
|
$1,000,000.00 and over
|
3.687% | 3.75% | ||||
| Certificates | ||||||
|
Regular Certificates
6 month
|
3.784% | 3.85% | $500 | $500 | Monthly | Monthly |
|
12 month
|
3.832% | 3.9% | $500 | $500 | Monthly | Monthly |
|
18 month
|
3.88% | 3.95% | $500 | $500 | Monthly | Monthly |
|
24 month
|
3.977% | 4.05% | $500 | $500 | Monthly | Monthly |
|
36 month
|
3.928% | 4% | $500 | $500 | Monthly | Monthly |
|
48 month
|
3.928% | 4% | $500 | $500 | Monthly | Monthly |
|
60 month
|
3.928% | 4% | $500 | $500 | Monthly | Monthly |
Regular Savings
$0 and over
0.05%
0.05%
$5
$0.01
Monthly
Monthly
Essentials Checking
$0 and over
0%
0%
$50
N/A
Monthly
Monthly
Choice Interest Checking
$0 to $49,999.99
0.1%
0.1%
$50
$0.01
Monthly
Monthly
Choice Interest Checking
$50,000 to $99,999.99
0.15%
0.15%
$50
$0.01
Monthly
Monthly
Choice Interest Checking
$100,000 and over
0.2%
0.2%
$50
$0.01
Monthly
Monthly
Choice Earnings Checking
Subject to account analysis; an earnings credit is applied against eligible service/transaction fees instead of paying a posted dividend rate. See disclosure Section 6.
$0 and over
N/A
N/A
$50
N/A
Not applicable
Not applicable
Non-Profit Checking
$0 and over
0%
0%
$0
N/A
Monthly
Monthly
Business Money Market
$0 to $49,999.99
0.449%
0.45%
$0
$0.01
Monthly
Monthly
Business Money Market
$50,000.00 to $99,999.99
1.982%
2%
$0
$0.01
Monthly
Monthly
Business Money Market
$100,000.00 to $249,999.99
2.472%
2.5%
$0
$0.01
Monthly
Monthly
Business Money Market
$250,000.00 to $499,999.99
3.251%
3.3%
$0
$0.01
Monthly
Monthly
Business Money Market
$500,000.00 to $999,999.99
3.251%
3.3%
$0
$0.01
Monthly
Monthly
Business Money Market
$1,000,000.00 and over
3.687%
3.75%
$0
$0.01
Monthly
Monthly
Business Growth Money Market
$0 to $4,999.99
3.445%
3.5%
$0
$0.01
Monthly
Monthly
Business Growth Money Market
$5,000.00 to $19,999.99
1.982%
2.38% - 3.5%
$0
$0.01
Monthly
Monthly
Business Growth Money Market
$20,000.00 to $49,999.99
1.49%
1.85% - 2.38%
$0
$0.01
Monthly
Monthly
Business Growth Money Market
$50,000.00 and over
0.499%
0.5% - 1.85%
$0
$0.01
Monthly
Monthly
Public Funds Money Market
Government, municipal, or other public entities only
$0 and over
3.494%
3.55%
$0
$0.01
Monthly
Monthly
Business Sweep Money Market
$0 to $49,999.99
0.698%
0.7%
$0
$0.01
Monthly
Monthly
Business Sweep Money Market
$50,000.00 to $99,999.99
2.227%
2.25%
$0
$0.01
Monthly
Monthly
Business Sweep Money Market
$100,000.00 to $249,999.99
2.716%
2.75%
$0
$0.01
Monthly
Monthly
Business Sweep Money Market
$250,000.00 to $499,999.99
3.494%
3.55%
$0
$0.01
Monthly
Monthly
Business Sweep Money Market
$500,000.00 to $999,999.99
3.494%
3.55%
$0
$0.01
Monthly
Monthly
Business Sweep Money Market
$1,000,000.00 and over
3.928%
4%
$0
$0.01
Monthly
Monthly
Business IOLTA Money Market
Licensed attorneys' Interest on Lawyer Trust Accounts
$0 to $49,999.99
0.449%
0.45%
$0
$0.01
Monthly
Monthly
Business IOLTA Money Market
Licensed attorneys' Interest on Lawyer Trust Accounts
$50,000.00 to $99,999.99
1.982%
2%
$0
$0.01
Monthly
Monthly
Business IOLTA Money Market
Licensed attorneys' Interest on Lawyer Trust Accounts
$100,000.00 to $249,999.99
2.472%
2.5%
$0
$0.01
Monthly
Monthly
Business IOLTA Money Market
Licensed attorneys' Interest on Lawyer Trust Accounts
$250,000.00 to $499,999.99
3.251%
3.3%
$0
$0.01
Monthly
Monthly
Business IOLTA Money Market
Licensed attorneys' Interest on Lawyer Trust Accounts
$500,000.00 to $999,999.99
3.251%
3.3%
$0
$0.01
Monthly
Monthly
Business IOLTA Money Market
Licensed attorneys' Interest on Lawyer Trust Accounts
$1,000,000.00 and over
3.687%
3.75%
$0
$0.01
Monthly
Monthly
Business UARHOF Money Market
Available only to eligible UARHOF accounts.
$0 to $49,999.99
0.449%
0.45%
$0
$0.01
Monthly
Monthly
Business UARHOF Money Market
Available only to eligible UARHOF accounts.
$50,000.00 to $99,999.99
1.982%
2%
$0
$0.01
Monthly
Monthly
Business UARHOF Money Market
Available only to eligible UARHOF accounts.
$100,000.00 to $249,999.99
2.472%
2.5%
$0
$0.01
Monthly
Monthly
Business UARHOF Money Market
Available only to eligible UARHOF accounts.
$250,000.00 to $499,999.99
3.251%
3.3%
$0
$0.01
Monthly
Monthly
Business UARHOF Money Market
Available only to eligible UARHOF accounts.
$500,000.00 to $999,999.99
3.251%
3.3%
$0
$0.01
Monthly
Monthly
Business UARHOF Money Market
Available only to eligible UARHOF accounts.
$1,000,000.00 and over
3.687%
3.75%
$0
$0.01
Monthly
Monthly
Certificates
Regular Certificates
6 month
3.784%
3.85%
$500
$500
Monthly
Monthly
Regular Certificates
12 month
3.832%
3.9%
$500
$500
Monthly
Monthly
Regular Certificates
18 month
3.88%
3.95%
$500
$500
Monthly
Monthly
Regular Certificates
24 month
3.977%
4.05%
$500
$500
Monthly
Monthly
Regular Certificates
36 month
3.928%
4%
$500
$500
Monthly
Monthly
Regular Certificates
48 month
3.928%
4%
$500
$500
Monthly
Monthly
Regular Certificates
60 month
3.928%
4%
$500
$500
Monthly
Monthly
Business monthly dividend terms:
** Declared, paid and compounded monthly
Business Growth Money Market portion tiers:
The rate for each tier applies only to the portion of the account balance within that tier, not to the full account balance.
Choice Earnings account analysis:
An earnings credit is applied against eligible service or transaction fees instead of paying a posted dividend rate. See the official business disclosure for account-analysis terms.
Business IOLTA eligibility:
This account is for licensed attorneys' Interest on Lawyer Trust Accounts.
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