Small Business Accounts & Services
We're in the business of serving your small business.

Worry less about bank fees and more about your business with ACU's Small Business services. We currently offer Business Savings, Checking, Certificates, and Loans to business members. We've listed the basics below, but if you have additional questions, our Busineses Account Specialists are standing by to take your call at 800-245-8112.

Business Membership Requirements:

  • Business must be located in an eligible community or be owned by an eligible ACU member.
  • Business members must open a Business Savings account with at least $5.00 on deposit.
  • Membership applications available upon request.
Rates & Fees

Business Accounts
Account Type Dividend
*A.P.Y. Dividends
Minimum Amt to
Avoid Service Fee
Business Shares 0.30% 0.30% Quarterly Quarterly N/A
Business Checking1 0.00% 0.00% N/A N/A $250.00
1 Special fees for Business Checking: All electronic transactions are free. First 50 non-electronic transactions also free. Additional non-electronic transactions assessed a fee of $0.25/item. Strapped cash and rolled coin available for $0.10/strap or roll. A $25/month fee is charged if balance falls below stated minimum above.

Business Share Certificates  (# denotes term available for IRA CD)
Term Dividend
Div Rate
Minimum Deposit
6 Month 0.60% 0.60% 0.85% 0.85% $2,500 for Standard CD
$35,000 for Jumbo CD

Dividends compounded &
paid monthly
9 Month 0.65% 0.65% 0.90% 0.90%
12 Month 0.70% 0.70% 0.945% 0.95%
18 Month 0.85% 0.85% 1.095% 1.10%
24 Month 1.00% 1.00% 1.244% 1.25%
36 Month 1.14% 1.15% 1.39% 1.40%
48 Month 1.39% 1.40% 1.64% 1.65%
60 Month 1.59% 1.60% 1.835% 1.85%

Business Loans
ACU also offers secured and unsecured loans to Business Members. Since each business is unique, we invite you to speak to an ACU representative about your needs so that we can match you up with the appropriate options. Contact us today to inquire.

Act Now:

A.P.Y. = Annual Percentage Yield