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Business Savings

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Regular Business Savings

Grab opportunities as they come, and have an interest-bearing safety net when you need it.

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  • Competitive interest on entire balance1
  • No monthly maintenance charge2
  • No minimum balance requirement
  • 6 free withdrawals per month; $0.50 per withdrawal in excess thereafter
  • Digital banking available
  • Free statement mailed annually
    • Monthly statements will be mailed if EFT transaction occurs
  • $25 minimum deposit to open

1Interest rate is subject to change without notice.

2$2 per month for dormant accounts with NO ACTIVITY for two (2) years.

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Business Super Savers Account

One of our highest rates is yours when your business maintains a daily balance of $2,500 or more.

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  • Competitive, tiered interest rates1
    • Accounts with a daily balance of less than $2,500 earn savings account rate
    • Accounts with a daily balance of $2,500 or more may earn higher rate
  • 6 free withdrawals per month; $0.50 per withdrawal in excess thereafter
  • Digital banking available
  • Free monthly mailed statement
  • $25 minimum deposit to open

1Interest rate is subject to change without notice.

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Business Certificates of Deposit (CDs)

Put idle company funds to work. Just choose your term to start earning a fixed, competitive rate.

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  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 1 month to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty1
  • $100-$500 minimum deposit to open

1Early withdrawals may result in a penalty.

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Business Individual Retirement Accounts (IRAs)

Look out for your employees — and yourself. Our SEP and SIMPLE IRAs make it easy to save for retirement.

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SEP IRAs
  • Ideal for businesses of any size or self-employed individuals
  • Gain the respect of your employees
    • Help employees reach their retirement savings goals
    • Employee always has complete ownership of all SEP IRA money
  • Earn competitive interest on entire balance
  • Contributions are tax deductible; your business pays no taxes on earnings
    • Contributions made only by the employer
    • Only self-employed may make contributions on their own behalf
  • Little to no documents to file with government
  • Inexpensive to set up and operate
  • Flexible annual contributions – good plan if cash flow is unpredictable
  • Can contribute up to 25% of each participant’s annual compensation (earned income)
    • Or, up to the maximum allowable limit for current plan year, whichever is less
    • Must contribute equally for all employees
  • Employee must first establish a traditional IRA, in which the employer will deposit SEP contributions
SIMPLE IRAs
  • Available to any small business — generally with 100 or fewer employees
  • Gain the respect of your employees
    • Employees have the option to make self-contributions
    • Help employees reach their retirement savings goals
    • Employee always has complete ownership of all SIMPLE IRA money
  • Earns a competitive interest rate
  • Employer must not have any other retirement plan
  • Minimal paperwork necessary; no filing requirements
  • Inexpensive to set up and operate
  • Lower contribution limits than some other retirement options
  • Employees share responsibility of growing their retirement
  • Each year, employer is required to contribute:
    • Matching contribution up to 3% of compensation, or
    • 2% non-elective contribution for each eligible employee

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