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

Learn more
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*

0.20%

Learn more
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*

0.75%

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*

0.95%

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%

Learn more

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

Learn more

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

1ACH and Wire Business Access require an application and approval.

Business Online Services

Business Access – Digital Platform

Fee or charge

Free

Business Online Services

Business Access with Online ACH Origination (monthly)1

Fee or charge

$25.00

Business Online Services

Business Access with Online Wire Origination (monthly)1

Fee or charge

$30.00

Business Online Services

Business Access with Online ACH and Wire Origination (monthly)1

Fee or charge

$40.00

Business Online Services

Discounted Online Wire Origination Fee for Business Access with Online Wires or Online ACH or Wires (per wire) – Domestic Wire

Fee or charge

$15.00

Business Online Services

Discounted Online Wire Origination Fee for Business Access with Online Wires or Online ACH or Wires (per wire) – International Wire

Fee or charge

$30.00

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