Business Rates

Effective Date: 11-15-2024

Business Checking

Account	Minimum Opening Deposit	Balance Tiers	Interest Rate	APY*
Business Checking	$50	--	--	--
Select Business Checking	$1,000	$0 - $19,999.99	--	--
Select Business Checking	$1,000	$20,000+	0.20%	0.20%
Platinum Business Checking Business Online Required Base Fee $35 (Earned Credits Reduce Fees)	$1,000	Balance Tier	Credits
		$1,000 - $19,999.99	--
		$20,000 - $49,999.99	0.20%
		$50,000 - $99,999,99	0.30%
		$100,000 - $499,999.99	0.40%
		$500,000 +	0.50%

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Business Savings

Account	Minimum Opening Deposit	Balance Tiers	Interest Rate	APY*
Business Savings	$50	$0+	0.25%	0.25%
Business Money Market	$2,500	$0 - $4,999.99	1.00%	1.00%
		$5,000 - $19,999.99	1.10%	1.11%
		$20,000 - $49,999.99	1.30%	1.31%
		$50,000 - $99,999.99	3.00%	3.04%
		$100,000 - $499,999.99	3.25%	3.29%
		$500,000 - $999,999.99	3.75%	3.81%
		$1,000,000.00 +	4.25%	4.32%

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Certificate of Deposit (CD) & IRA

Account		Standard		Jumbo**
Opening Deposit	Term Length	Interest Rate	APY*	Interest Rate	APY*
$500	91 Day CD	4.00%	4.06%	4.25%	4.32%
	182 Day CD	4.00%	4.04%	4.25%	4.30%
	1 Year CD or IRA	4.25%	4.30%	4.50%	4.55%
	18 Month CD or IRA	4.00%	4.04%	4.25%	4.30%
	24 Month CD or IRA	4.00%	4.04%	4.25%	4.30%
	30 Month CD or IRA	4.00%	4.04%	4.25%	4.30%
	36 Month CD or IRA	4.00%	4.04%	4.25%	4.30%
	48 Month CD or IRA	4.00%	4.04%	4.25%	4.30%
	60 Month CD or IRA	4.00%	4.04%	4.25%	4.30%

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*APY = Annual Percentage Yield. The annual percentage yield assumes interest will remain on deposit for one year. The APY is accurate as of 11/15/2024.
**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.