Business Rates

Help your business grow with competitive deposit and lending rates.

We offer multiple term options for automobile loans, vehicle equity loans, construction equipment, general business equipment, and unsecured loans.

Business Online Savings

Minimum $ To Earn Dividends	Rate	APY
$0 - $99.99	0.00%	0.00%
$100 - $49,999.99	1.884%	1.900%
$50,000 - $99,999.99	2.129%	2.150%
$100,000 - $249,999.99	2.276%	2.300%
$250,000 and Over	2.374%	2.400%

Business Money Market

Minimum $ To Earn Dividends	Rate	APY	Minimum to Open
$0 - $99.99	0.000%	0.000%	$100
$100 - $49,999.99	1.884%	1.900%	$100
$50,000 - $99,999.99	2.129%	2.150%	$100
$100,000 - $249,999.99	2.276%	2.300%	$100
$250,000 and over	2.374%	2.400%	$100

Business Certificates

Term	Rate	APY%
6 Months	3.687%	3.75%
12 Months	3.687%	3.75%
18 Months	3.832%	3.90%
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity). If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. Rates are subject to change at any time

New & Used Business Automobile Loans

Terms	Interest Rate	APR*	Monthly Payment/$1,000
Up to 36 Months	6.500%	6.702%	$30.65
Up to 48 Months	6.625%	6.780%	$23.78
Up to 60 Months	6.740%	6.866%	$19.68
72 Months (Amounts Greater Than $20,000)	6.990%	7.097%	$17.05
84 Months (Amounts financed Greater Than $25,000)	7.740%	7.815%	$15.46
*Annual Percentage Rate (APR) based on $20,000 unless otherwise noted and designated term with a $60 loan processing charge. Rates quoted are for Automatic Payment Method and eStatements for full term of the loan, otherwise add .25%. 2021 and Newer: 84 Months 2020 and 2019: 60 Months 2018 and 2017: 42 Months 2016 and older: 32 Months

Business Vehicle Equity Loan

Model Year	Interest Rate	APR*	Monthly Payment/$1,000
2021 & Newer (90% NADA Value) up to 60 Months	9.50%	9.629%	$21.01
*Annual Percentage Rate (APR) based on $20,000 unless otherwise noted and designated term with a $60 loan processing charge. Rates quoted are for Automatic Payment Method and eStatements for full term of the loan, otherwise add .25%. Model year 2019 and older the rate is as low as 9.95%. Annual Percentage Rate (APR) = 10.080% based on $20,000 for 60 months with a $60 loan processing charge. Estimated monthly payment per $1,000 = $21.23.

New & Used Construction Equipment & General Business Equipment

	Term	Interest Rate	APR*	Estimated Monthly Payment/$1,000
80% Financing (20% Down)	60 Months	8.490%	8.618%	$20.52
80% Financing (20% Down)	84 Months	10.240%	10.337%	$16.73
80% Financing (20% Down)	120 Months	10.500%	10.572%	$13.50
80% Financing (20% Down)	180 Months	11.240%	11.295%	$11.52
100% Financing	60 Months	8.740%	8.868%	$20.64
100% Financing	84 Months	10.490%	10.587%	$16.86
100% Financing	120 Months	10.750%	10.823%	$13.64
100% Financing	180 Months	11.490%	11.545%	$11.68
*Annual Percentage Rate (APR) based on $20,000, designated term, $60 loan processing charge and members' ability to repay.

Unsecured Business Loans

Amount	Term	Interest Rate	APR*	Monthly Payment/$1,000
Up to $10,000	60 Months	11.49%	11.754%	$21.99
***Annual Percentage Rate (APR) based on designated amount, term, $60 loan processing charge and members' ability to repay. ⁺Additional amounts are available. Please contact the Commercial Loan Department.

Business Line-Of-Credit

Amount	Interest Rate	APR*	Minimum Monthly Payment
Up to $10,000	12.50%	12.943%	$175.00^
*Annual Percentage Rate (APR) based on designated amount, 34-month term, $60 loan processing charge. ^Minimum monthly payment based on $10,000 credit limit.

Business Share Loans

Terms	Interest Rate	APR	Minimum Monthly Payment/$1,000
Up to 60 Months	5.05%	5.174%	$18.90
Rate 5.00% above the savings rate of 0.05% (5.05%). Annual Percentage Rate (APR) 5.174%. Based on $20,000, for 60 Months with a $60 loan processing charge. Estimated Monthly Payment per $1,000 is $18.90.

Loan Rates quoted above apply to Business Loans less than $50,000 and require Auto Pay or Direct Pay. Add 0.25% for coupon book. For Business Loans over $50,000, Please contact the Commercial Loan Department (603) 889-2470 x 4511 to discuss the wide range of products & services.