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 | 0.25% | 0.25% | 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 | 0.450% | 0.45% | 0.550% | 0.55% | $2,500 for Standard CD $35,000 for Jumbo CD Dividends compounded & paid monthly |
9 Month | 0.450% | 0.45% | 0.550% | 0.55% | |
12 Month | 0.500% | 0.50% | 0.600% | 0.60% | |
18 Month | 0.500% | 0.50% | 0.600% | 0.60% | |
24 Month | 0.600% | 0.60% | 0.700% | 0.70% | |
36 Month | 0.700% | 0.70% | 0.800% | 0.80% | |
48 Month | 0.800% | 0.80% | 0.900% | 0.90% | |
60 Month | 1.140% | 1.15% | 1.240% | 1.25% | |
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 November 1, 2020 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* | 0.25% | 0.25% |
Business Checking1,2 | 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 | 0.450% | 0.45% |
6 Month Jumbo | 0.550% | 0.55% |
9 Month | 0.450% | 0.45% |
9 Month Jumbo | 0.550% | 0.55% |
12 Month | 0.500% | 0.50% |
12 Month Jumbo | 0.600% | 0.60% |
18 Month | 0.500% | 0.50% |
18 Month Jumbo | 0.600% | 0.60% |
24 Month | 0.600% | 0.60% |
24 Month Jumbo | 0.700% | 0.70% |
36 Month | 0.700% | 0.70% |
36 Month Jumbo | 0.800% | 0.80% |
48 Month | 0.800% | 0.80% |
48 Month Jumbo | 0.900% | 0.90% |
60 Month | 1.140% | 1.15% |
60 Month Jumbo | 1.240% | 1.25% |
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 August 1, 2020 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. |
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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.
Address
1300 Central Ave
Ashland, KY 41101
Phone
606-329-5489
1-800-245-8112