Current Business Rates

Savings | Checking | Investments | Loans

Rates are subject to change. Certain rates may vary depending upon the amount invested and the term of the investment. Certain loan rates may vary depending upon the amount borrowed, the term of the loan, and whether the loan is based on a fixed or variable rate.

Rates listed represent our best rate and are subject to credit approval. Not all members qualify for our best rate. To determine your rate please contact the credit union. Rates and fees subject to change without notice; printed material distributed by United Financial may take priority over Internet rates and/or pages.

Savings

Rates effective as of November 1, 2023
Fees could reduce earnings

Savings Accounts

Savings, Special Savings

Dividend Rate 0.05%
APY** – Variable 0.05%

 

Money Maker Savings Account

Average Daily Balance APY**Variable
$100 – $2,499 0.55%
$2,500 – $24,999 0.65%
$25,000 – $49,999 0.75%
$50,000 – $99,999 0.85%
$100,000 and up 0.95%

Money Maker PLUS Savings Account

E-Statements and Debit Card required to earn this rate. 
Average Daily Balance APY**Variable
$1,000 – $49,999 0.85%
$50,000 – $99,999 0.95%
$100,000 -$499,999 1.05%
$500,000 and up 1.15%

 

Grand Account
Dividends will post to your Savings Plus Account. Deposits and Withdrawals must be done in increments of $1,000
*As of 8/1/2022 – no New Grand Accounts are available to open
Interest Rate 0.22%
APY** – Variable 0.22%

Business Checking

Rates effective as of November 1, 2023
Fees could reduce earnings

Based on Average Daily Balance of : Actual Rate APY**
Variable
Average daily balance of $0 – $2,499 0.00%
Average daily balance of $2,500 – $24,999 0.05% 0.05%
Average daily balance of $25,000 – $49,999 0.10% 0.10%
Average daily balance of $50,000 -$99,999 0.15% 0.15%
Average daily balance of $100,000 & up 0.20% 0.20%

Business PLUS Checking

Fees could reduce earnings

Based on Average Daily Balance of : Actual Rate APY**
Variable
Average daily balance of $0 – $19,999 0.00%
Average daily balance of $20,000 – $74,999 0.15% 0.15%
Average daily balance of $75,000 – $99,999 0.20% 0.20%
Average daily balance of $100,000 and up 0.25% 0.25%
Ask how you can receive a 0.10% increase on your rate.


Investments

Rates effective as of November 1, 2023

Certificate of Deposit 

There could be a penalty for early withdrawal.

**APY = Annual Percentage Yield. All dividends and interest are paid monthly and are based on average daily balance.

Term Minimum Investment Interest Rate APY**
6 month $500 or more 3.10% 3.15%
12 month $500 or more 3.20% 3.25%
18 month  $500 or more 3.30% 3.35%
20 month: Step Up CD $500 or more 3.44% 3.50%
24 month $500 or more 3.49% 3.55%
36 month: Safe Parking $500 or more
Withdraw 50% with no penalty
3.92% 4.00%
48 month $500 or more 3.92% 4.00%
60 month $500 or more 3.92% 4.00%
 
39 Month – Double Step Up NO NEW CDS ALLOWED 3.83% 3.90%

 


Business Loans

Please contact the Credit Union for Current Loan Rates.

Our lending program provides a wide range of benefits that will help drive your business.   
Business Lines of Credit • Equipment Financing • Vehicle Loans • Commercial Real Estate • Business Credit Card • Term Loans • Heavy Equipment Loans 

If you have any questions please contact our Business Lending Department.