Business

RATES & FEES

DEPOSIT ACCOUNTS

Business Checking
Account Type	Minimum Opening Balance	Minimum to Earn APY	APY*
*APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period.
Account Type Business Essentials Checking	Minimum Opening Balance $100.00	Minimum to Earn APY n/a	APY* n/a
Account Type Business Advantage Checking	Minimum Opening Balance $500.00	Minimum to Earn APY n/a	APY* n/a

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Business Savings***
Minimum Opening Balance	Minimum to Earn APY	APY*
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. **The APY for an account with a minimum daily balance of $250 or more. No dividends will be paid on balances below $250. If the minimum daily balance requirement is not met, a monthly service charge will apply (as disclosed in the Business Account Schedule of Fees and Charges) unless you maintain an active Business Checking Account. Check with the credit union for complete details. Business Savings Accounts are not eligible for the First500 Savings Account bump rate.
Minimum Opening Balance $0.00	Minimum to Earn APY $250.00	APY* 0.15%

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Business Money Market Savings
Minimum Opening Balance	Minimum to Earn APY	APY*
*APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. †Rate on our multi-tiered Money Market Account is based on the Account’s daily balance. Account balances below $2,500 earn no dividends.
Minimum Opening Balance $2,500	Minimum to Earn APY $2,500†	APY* 0.70%
Minimum Opening Balance $2,500	Minimum to Earn APY $10,000†	APY* 0.80%
Minimum Opening Balance $2,500	Minimum to Earn APY $25,000†	APY* 0.90%
Minimum Opening Balance $2,500	Minimum to Earn APY $50,000†	APY* 1.00%
Minimum Opening Balance $2,500	Minimum to Earn APY $100,000†	APY* 1.10%
Minimum Opening Balance $2,500	Minimum to Earn APY $250,000†	APY* 1.20%
Minimum Opening Balance $2,500	Minimum to Earn APY $500,000†	APY* 1.30%
Minimum Opening Balance $2,500	Minimum to Earn APY $1,000,000 & up†	APY* 1.40%

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Business Term Savings Certificates

Business Term Savings Certificates
Term	$1,000 Minimum	$25,000 Minimum	$100,000 Minimum
* Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period. ** APY=Annual Percentage Yield. Rate and term valid as of September 3, 2024, for a 7-month Term Savings Certificate only. New 7-month Term Savings Certificate minimum balance required of $2,500 or more to earn 4.50% APY. The maximum total deposit amount for a 7-month Term Savings Certificate is $5,000,000.00 per member. New and existing funds qualify for this offer. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the promotional 7-month term, funds will roll over to a standard non-promotional 6-month Term Savings Certificate at the then current rate. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency. Fees and penalties may reduce principal.
Term 6 Months	$1,000 Minimum 2.05% APY*	$25,000 Minimum 2.20% APY*	$100,000 Minimum 2.35% APY*
Term Special 7 Month Promo	$1,000 Minimum n/a	$25,000 Minimum 4.50% APY ($2,500 minimum, new and existing funds)**	$100,000 Minimum 4.50% APY ($2,500 minimum, new and existing funds)**
Term 1 Year	$1,000 Minimum 2.35% APY*	$25,000 Minimum 2.50%*	$100,000 Minimum 2.65% APY*
Term 2 Years	$1,000 Minimum 2.60% APY*	$25,000 Minimum 2.75% APY*	$100,000 Minimum 2.90% APY*
Term 3 Years	$1,000 Minimum 2.85% APY*	$25,000 Minimum 3.00% APY*	$100,000 Minimum 3.15% APY*
Term 4 Years	$1,000 Minimum 3.10% APY*	$25,000 Minimum 3.25% APY*	$100,000 Minimum 3.40% APY*
Term 5 Years	$1,000 Minimum 3.35% APY*	$25,000 Minimum 3.50% APY*	$100,000 Minimum 3.65% APY*

CREDIT CARDS & LOANS

Business Visa^® Platinum Credit Cards
Credit Card	APR* (as low as)	Maximum Financed	Loan Amount
* APR shown is for Purchases = (Prime + 7.49%) to (Prime + 15.15%) : Cash Advance APR = Purchase APR + 3% : Balance Transfer APR = Purchase APR + 3% : Penalty APR = Same as Purchase APR ** APR shown is for Purchases = (Prime + 9.49%) to (Prime + 17.15%) : Cash Advance APR = Purchase APR + 3% : Balance Transfer APR = Purchase APR + 3% : Penalty APR = Same as Purchase APR
Credit Card Business Visa^{^®} Platinum^***	APR* (as low as) 15.99% – 23.65%	Maximum Financed $50,000	Loan Amount $5,000 – $30,000
Credit Card Business Visa^® Preferred Cash^****	APR* (as low as) 17.99% – 25.65%	Maximum Financed $50,000	Loan Amount $5,000 – $30,000

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FEE SCHEDULE

Business Fee Schedule and Charges
Item Description	Fee or charge
¹An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases. ²See Business Account Agreement and Disclosure for specific details on the Overdraft program. ³No charges are assessed in connection with the investigation of an alleged billing error.
Item Description Cashier’s Checks Payable to Third Party	Fee or charge $5.00
Item Description Check Printing	Fee or charge varies by style
Item Description Daily Negative Balance Fee (when account balance is negative more than 3 calendar days)	Fee or charge $5.00
Item Description Escheat Notice	Fee or charge $2.00
Item Description Excessive Card Replacement Fee (more than 2 in 12 months)	Fee or charge $15.00
Item Description Foreign Check Processing/Collection Items (additional bank fees may apply)	Fee or charge $25.00
Item Description Insufficient Funds (NSF)(each)	Fee or charge $29.00
Item Description Legal Processing (per hour, except if prohibited by law)	Fee or charge $60.00
Item Description Levy, Subpoena Processing (each)	Fee or charge $60.00
Item Description Out-of-Network ATM Withdrawals (each) (additional surcharges may be assessed by ATM operators)¹	Fee or charge $2.50
Item Description Overdraft Fee (Each)²	Fee or charge $19.00
Item Description Overdraft Protection Transfers from Savings (per transaction)²	Fee or charge $3.00
Item Description Par Value	Fee or charge $1.00
Item Description Payments by Phone	Fee or charge $5.00
Item Description Research/Account Reconciliation (per hour) ($25.00 minimum plus any related document copy fees, except if prohibited by Law)³	Fee or charge $25.00
Item Description Returned Deposited/Cashed Item³	Fee or charge $20.00
Item Description Rush Delivery Charges (cards or documents requested for expedited delivery)	Fee or charge $50.00
Item Description Stop Payment Request (check or ACH)³	Fee or charge $20.00
Item Description Wire Transfer – Domestic (outgoing)	Fee or charge $25.00
Item Description Wire Transfer – International (outgoing)	Fee or charge $50.00

Business Online Services – Monthly Service Charge
Business Online Services	Fee or charge
Business Online Services Business Access – Digital Platform	Fee or charge Free

Business Savings Fees
Business Savings	Fee or charge
Business Savings With Average Daily Minimum Balance Requirement ($250.00 in Business Savings or Combined Average Daily Balance of $100.00 within Business Essentials Checking, Business Advantage Checking, Business Term Savings Certificates, and/or Business Money Market)	Fee or charge $0
Business Savings Without Average Daily Minimum Balance Requirement (per month) ($250.00 in Business Savings or Combined Average Daily Balance of $100.00 within Business Essentials Checking, Business Advantage Checking, Business Term Savings Certificates, and/or Business Money Market)	Fee or charge $5.00
Business Savings Dividend Bearing (balance required to earn Dividends)	Fee or charge $250.00
Business Savings eStatements, Bill Pay, and Mobile Deposits	Fee or charge Free
Business Savings Automatic Transfers via Overdraft	Fee or charge Available
Business Savings Transactions at First Entertainment and more than 30,000 CO-OP Network ATMs (locations nationwide, including 7-Eleven^{^®} and select Costco^{^®} stores)	Fee or charge Free

Business Advantage Checking Fees
BUSINESS ADVANTAGE CHECKING	Fee or charge
¹Supersedes balance requirements within the Business Account Agreement and Disclosure effective May 20, 2019 ²An additional 1% of the transaction amount is charged on all international ATM cash withdrawals and on Point-of-Sale purchases.
BUSINESS ADVANTAGE CHECKING With Average Daily Minimum Balance Requirement (Minimum Average Daily Balance is $5,000.00 or a Combined Average Daily Balance of $15,000.00)¹	Fee or charge $0
BUSINESS ADVANTAGE CHECKING Without Daily Minimum Balance Requirement (per month) (Minimum Average Daily Balance is $5,000.00 or a Combined Average Daily Balance of $15,000.00)¹	Fee or charge $22.00
BUSINESS ADVANTAGE CHECKING Minimum Opening Deposit	Fee or charge $500.00
BUSINESS ADVANTAGE CHECKING eStatements, Bill Pay, and Mobile Deposits	Fee or charge Free
BUSINESS ADVANTAGE CHECKING Transactions Allowed (per month)	Fee or charge 300
BUSINESS ADVANTAGE CHECKING Excess Transaction Fee (per transaction) (transactions include: deposits, deposited items, and drafts/checks)	Fee or charge $0.40
BUSINESS ADVANTAGE CHECKING ACH (credits/debits) Transactions Allowed (per month)	Fee or charge 100
BUSINESS ADVANTAGE CHECKING Excess ACH Fee (per transaction) (ACH Transactions defined by the Business Services Account Agreement and Disclosure)	Fee or charge $0.20
BUSINESS ADVANTAGE CHECKING Maximum Cash Deposit (per month)	Fee or charge $10,000.00
BUSINESS ADVANTAGE CHECKING Excess Cash Deposit Fee (per $100.00)	Fee or charge $0.10
BUSINESS ADVANTAGE CHECKING Transactions at First Entertainment and more than 30,000 CO-OP Network ATMs (locations nationwide, including 7-Eleven^{^®} and select Costco^{^®} stores)	Fee or charge Free
BUSINESS ADVANTAGE CHECKING Out-of-Network ATM Withdrawals (each) (Additional surcharges may be assessed by ATM Operators)²	Fee or charge $2.50

Business Essentials Checking Fees
BUSINESS ESSENTIALS CHECKING	Fee or charge
¹Supersedes balance requirements within the Business Account Agreement and Disclosure effective May 20, 2019
BUSINESS ESSENTIALS CHECKING With Average Daily Minimum Balance Requirement (Minimum Average Daily Balance is $1,000.00 or a Combined Average Daily Balance of $5,000.00)¹	Fee or charge $0
BUSINESS ESSENTIALS CHECKING Without Average Daily Minimum Balance Requirement (per month) (Minimum Average Daily Balance is $1,000.00 or a Combined Average Daily Balance of $5,000.00)¹	Fee or charge $16.00
BUSINESS ESSENTIALS CHECKING Minimum Opening Deposit	Fee or charge $100.00
BUSINESS ESSENTIALS CHECKING eStatements, Bill Pay, and Mobile Deposits	Fee or charge Free
BUSINESS ESSENTIALS CHECKING Transactions Allowed (per month)	Fee or charge 150
BUSINESS ESSENTIALS CHECKING Excess Transaction Fee (per transaction) (transactions include: deposits, deposited items, and drafts/checks)	Fee or charge $0.40
BUSINESS ESSENTIALS CHECKING ACH (credits/debits) Transactions Allowed (per month)	Fee or charge 50
BUSINESS ESSENTIALS CHECKING Excess ACH Fee (per transaction) (ACH Transactions defined by the Business Services Account Agreement and Disclosure)	Fee or charge $0.20
BUSINESS ESSENTIALS CHECKING Maximum Cash Deposit (per month)	Fee or charge $7,500.00
BUSINESS ESSENTIALS CHECKING Excess Cash Deposit Fee (per $100.00)	Fee or charge $0.10
BUSINESS ESSENTIALS CHECKING Transactions at nearly 30,000 First Entertainment and CO-OP Network ATMs (locations nationwide, including 7-Eleven^{^®} and select Costco^{^®} stores)	Fee or charge Free