Business Rates

Business Credit Card Rates

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. No annual fee; 25 day grace period on purchases if payment is made in full by due date. See application for complete terms and conditions.

1) Rates may vary with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the Annual Percentage Rate (APR). The margin will be based on creditworthiness. APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.

Card	APR*
Business Visa (purchase & balance transfers) ¹	10.74% - 13.74%
Business Visa (cash advances) ¹	12.74% - 15.74%

Business Savings Account Rates

*APY = Annual Percentage Yield. Interest and dividends are paid and compounded monthly based on the average daily balance. Assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

Account	Min. Balance/Average Daily Balance	Dividend Rate	APY*
Business Savings	$5/$100	0.30%	0.30%

Business Checking Account Rates

1- APY=Annual Percentage Yield. A $10 fee is assessed if the average daily balance falls below $1,000 for Business Checking Plus Accounts. Withdrawals may reduce earnings on the account. $0.30 Per Item Fee after a 300 Combined Item Allowance (Deposits (including ATM deposits), Deposited Items, Paid Items (checks/ACH Debits and ACH Credits), Bill Pay Payments.

Account	Min. Balance/Average Daily Balance	Average Monthly Balance
Business Checking	$0	$0
Business Checking Plus¹	$0	$1,000
Nonprofit/Club Checking	$0	$0

Business Money Market Account Rates

*APY = Annual Percentage Yield. Business Money Market Account interest is compounded daily and paid monthly. Assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

Account	Dividend Rate	APY	Notes
Min. $1,000 - $49,999	1.45%	1.46%
$50,000 - $99,999	1.55%	1.56%
$100,000 - $249,999	1.65%	1.66%
$250,000 & above	1.75%	1.77%

Business Certificate of Deposit (CD) Rates

1- *APY= Annual Percentage Yield. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the accounts.

Term	Min. Balance/Average Daily Balance	Dividend Rate	APY*
6 Month Certificate	$1,000	3.45%	3.50%
9 Month Certificate	$1,000	3.45%	3.50%
12 Month Certificate	$1,000	3.49%	3.55%
18 Month Certificate	$1,000	3.20%	3.25%
24 Month Certificate	$1,000	3.20%	3.25%
36 Month Certificate	$1,000	3.20%	3.25%
36 Month Variable Rate Certificate ¹	$1,000	3.06%	3.10%
48 Month Certificate	$1,000	3.20%	3.25%
60 Month Certificate	$1,000	3.20%	3.25%
60 Month Variable Rate Certificate ¹	$1,000	3.06%	3.10%