Small Business

Accounts

Let us help your small business grow.

Business Account Rates

Account Type	Dividend Rate	*A.P.Y.	Dividends Compounded	Dividends Paid	Minimum Amt to Avoid Service Fee
Business Shares	0.55%	0.55%	Quarterly	Quarterly	N/A
Business Checking¹	0.00%	0.00%	N/A	N/A	$250.00
¹Special 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 Certificate Rates

Term	Dividend Rate	Standard *A.P.Y.	Jumbo Div. Rate	Jumbo *A.P.Y.	Min Deposit to Open
6 Month	1.390%	1.40%	1.640%	1.65%	$2,500 for Standard CD $35,000 for Jumbo CD Dividends compounded & paid monthly
9 Month	1.590%	1.60%	1.835%	1.85%
12 Month	2.130%	2.15%	2.375%	2.40%
18 Month	2.130%	2.15%	2.375%	2.40%
24 Month	2.325%	2.35%	2.570%	2.60%
36 Month	2.375%	2.44%	2.620%	2.65%
48 Month	2.570%	2.60%	2.815%	2.85%
60 Month	2.420%	2.45%	2.670%	2.70%
Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. is current as of May 24, 2019 Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. # indicates term available for Traditional / Roth IRA Certificates. Rate-Bump option not available for IRA CD's.

Business Account Rates

Account Type	Dividend Rate	*A.P.Y.
Business Shares*	0.55%	0.55%
Business Checking^1,2	0.00%	0.00%
* Dividends available only on Business Shares and are compounded and paid quarterly.
¹Minimum amount to avoid service fee $250.00
²Special 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 Certificate Rates

Term	Dividend Rate	Standard *A.P.Y.
6 Month	1.390%	1.400%
6 Month Jumbo	1.640%	1.650%
9 Month	1.540%	1.600%
9 Month Jumbo	1.835%	1.850%
12 Month	2.130%	2.150%
12 Month Jumbo	2.375%	2.400%
18 Month	2.130%	2.150%
18 Month Jumbo	2.375%	2.400%
24 Month	2.375%	2.400%
24 Month Jumbo	2.620%	2.650%
36 Month	2.375%	2.440%
36 Month Jumbo	2.620%	2.650%
48 Month	2.720%	2.750%
48 Month Jumbo	2.960%	3.000%
60 Month	2.520%	2.550%
60 Month Jumbo	2.760%	2.800%
Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. is current as of April 26, 2019 Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. # indicates term available for Traditional / Roth IRA Certificates. Rate-Bump option not available for IRA CD's.
Minimum Deposit: $2,500 for Standard CD $35,000 for Jumbo CD Dividends compounded & paid monthly

*A.P.Y. = Annual Percentage Yield

Let Us Help Your Small Business Grow

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 Businesses 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.

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.