Auto Loan Rates
Auto Loans
| Model Year | Term | APR1 |
|---|---|---|
| New Auto 2024 + Newer | 36 to 72 Months | As low as 5.49% APR |
| New Auto 2024 + Newer | 73 to 84 Months2 | As low as 5.74% APR |
| 2022 - 2023 | 36 to 72 Months | As low as 6.49% APR |
| 2022 - 2023 | 73 to 84 Months2 | As low as 6.74% APR |
| 2019 - 2021 | 36 to 60 Months | As low as 6.99% APR |
| 2019 - 2021 | 61 to 72 Months | As low as 7.24% APR |
| 2014 - 2018 | 36 to 60 Months | As low as 7.49% APR |
| 2014 - 2018 | 61 to 72 Months | As low as 7.74% APR |
| 2013 & Older | 36 to 60 Months | As low as 9.49% APR |
Loan rates as of July 1, 2025.
1.
Rate discounts are available to qualified borrowers. Ask an employee for details. APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Auto Loans have a $5,000 minimum loan amount, a minimum 36-month term, and a floor rate of 4.99% APR. There is a $49 Processing Fee on all new auto loans (2025 and newer). There is a $124 Processing Fee on all used auto loans (2024 and older).
Best Credit Financing Examples: An Auto Loan of $20,000 at 5.49% APR for a 36-month term would result in a monthly payment of approximately $603.87. An Auto Loan of $20,000 at 5.49% APR for a 72-month term would result in a monthly payment of approximately $326.71. An Auto Loan of $20,000 at 5.74% APR for a 73-month term would result in a monthly payment of approximately $325.28. An Auto Loan of $20,000 at 5.74% APR for an 84-month term would result in a monthly payment of approximately $289.73. An Auto Loan of $20,000 at 6.49% APR for a 36-month term would result in a monthly payment of approximately $612.94. An Auto Loan of $20,000 at 6.49% APR for a 72-month term would result in a monthly payment of approximately $336.16. An Auto Loan of $20,000 at 6.74% APR for a 73-month term would result in a monthly payment of approximately $334.78. An Auto Loan of $20,000 at 6.74% APR for an 84-month term would result in a monthly payment of approximately $299.37. An Auto Loan of $20,000 at 6.99% APR for a 36-month term would result in a monthly payment of approximately $617.50. An Auto Loan of $20,000 at 6.99% APR for a 60-month term would result in a monthly payment of approximately $395.99. An Auto Loan of $20,000 at 7.24% APR for a 61-month term would result in a monthly payment of approximately $392.93. An Auto Loan of $20,000 at 7.24% APR for a 72-month term would result in a monthly payment of approximately $343.35. An Auto Loan of $20,000 at 7.49% APR for a 36-month term would result in a monthly payment of approximately $622.09. An Auto Loan of $20,000 at 7.49% APR for a 60-month term would result in a monthly payment of approximately $400.73. An Auto Loan of $20,000 at 7.74% APR for a 61-month term would result in a monthly payment of approximately $397.69. An Auto Loan of $20,000 at 7.74% APR for a 72-month term would result in a monthly payment of approximately $348.19. An Auto Loan of $20,000 at 9.49% APR for a 36-month term would result in a monthly payment of approximately $640.64. An Auto Loan of $20,000 at 9.49% APR for a 60-month term would result in a monthly payment of approximately $420.02.
2.
There is a $15,000 minimum loan amount to receive 5.74% APR and 73 – 84-month term for qualified borrower
New Auto Loans - Promotion
| Model Year | Term | APR1 |
|---|---|---|
| New Auto 2025 + Newer Only | 36, 48, or 60 Months2 | As low as 4.99% APR |
Loan rates as of April 1, 2025.
1.
APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Auto Loans have a $5,000 minimum loan amount, a minimum 36-month term, and a floor rate of 4.99% APR. There is a $49 Processing Fee on all new auto loans (2025 and newer). *The vehicle must be 1,000 miles or less at the time of financing.
Best Credit Financing Examples: An Auto Loan of $20,000 at 4.99% APR for a 36-month term would result in a monthly payment of approximately $599.33. An Auto Loan of $20,000 at 4.99% APR for a 48-month term would result in a monthly payment of approximately $460.50. An Auto Loan of $20,000 at 4.99% APR for a 60-month term would result in a monthly payment of approximately $377.33.
2.
This offer is available to Credit Union 1 members and requires 2 of the following: a direct deposit of $1,000 per month or more into a CU1 checking account, or a loan in good standing (qualifying loans: home equity, auto, or share secured), or an account balance of at least $10,000 or more at the time of loan origination. A $10,000 account balance must be maintained throughout the term of the loan.
Real Estate Loan Rates
Mortgage Rates
Home Equity Line of Credit (HELOC)
Primary Residence Only
| Program | Line of Credit Limit | Promotional Offer — Fixed Rate for the first 3 Months | Then Variable Rate as low as Prime + 0.50%APR1 |
|---|---|---|---|
| Up to 80% LTV - Primary Residence Only | $10,000 - $700,000 | Fixed Rate Promo as low as 2.99% APR | Currently at: 8.00% APR |
| Up to 90% LTV - Primary Residence Only | $10,000 - $350,000 | Fixed Rate Promo as low as 3.99% APR | Currently at: 9.00% APR |
Secondary Residence Only
| Program | Line of Credit Limit | Promotional Offer — Fixed Rate for the first 3 Months | Then Variable Rate as low as Prime + 2.50% APR1 |
|---|---|---|---|
| Up to 70% CLTV - Secondary Residence Only | $10,000 - $250,000 | Fixed Rate Promo as low as 2.99% APR | Currently at: 10.50% APR |
| Up to 80% CLTV - Secondary Residence Only | $10,000 - $500,000 | Fixed Rate Promo as low as 3.99% APR | Currently at: 10.00% APR |
Interest Only
| Program | Line of Credit Limit | Promotional Offer — Fixed Rate for the first 3 Months | Then Variable Rate as low as Prime + 0.75% APR1 |
|---|---|---|---|
| Interest Only Payment Up to 80% CLTV | $10,000 - $250,000 | Fixed Rate Promo as low as 2.99% APR | Currently at: 8.25% APR |
| Interest Only Payment Up to 90% CLTV | $10,000 - $250,000 | Fixed Rate Promo as low as 3.99% APR | Currently at: 9.25% APR |
NMLS #384759. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval.
This offer is only available for properties located in California, Florida, Illinois, Indiana, Iowa, Georgia, Minnesota, Nevada, Tennessee, Washington, & Wisconsin.
Loan rates as of July 1, 2025.
1.
Home Equity Line of Credit
The APR may vary after account opening. HELOC has a floor rate of 3.74% APR. The maximum rate that may be imposed is 18.00% APR. There is a $10,000 minimum loan amount, maximum 90% Home Equity Combined Loan to Value (HCLTV) for Primary Residence, and 80% HCLTV for Secondary Residence. There is a minimum monthly payment requirement of $100. Closing costs vary by state ranging from $750 - $2,000. 2.99% Fixed Promo Rate is capped at a maximum 80% HCLTV and is available on primary and secondary homes. 3.99% Fixed Promo Rate is capped at a maximum 90% HCLTV available on primary homes only. Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10. Property insurance is required on all HELOC loans. A statement of property insurance will be requested prior to loan origination. This promotional offer may end at any time without notice.
Fixed Rate Home Equity Loan
| Program | Line of Credit Limit | Term2 | APR1 |
|---|---|---|---|
| Up to 80% CLTV – Owner Occupied | $10,000 - $700,000 | 5, 10, 15, 20 years | As low as 6.25% APR |
| Up to 90% CLTV – Owner Occupied | $10,000 - $350,000 | 5, 10, 15, 20 years | As low as 6.50% APR |
| Up to 70% CLTV – 2nd Home | $10,000 - $250,000 | 5, 10, 15, 20 years | As low as 8.25% APR |
| Up to 80% CLTV – 2nd Home | $10,000 - $500,000 | 5, 10, 15, 20 years | As low as 8.50% APR |
Loan rates as of July 1, 2025.
1.
APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
2.
For any Fixed Rate Home Equity Loan, the borrower is responsible for any third-party fees associated with the origination of the loan. There is a $100 Origination Fee. The borrower should consult a tax adviser for further information regarding the deductibility of interest and charges. Available for properties located in California, Florida, Illinois, Indiana, Iowa, Georgia, Minnesota, Nevada, Tennessee, Washington, Wisconsin only.
Best Credit Financing Examples: A Home Equity Loan of $20,000 at 6.25% APR for a 60-month term would result in a monthly payment of approximately $388.99. A Home Equity Loan of $20,000 at 6.50% APR for a 120-month term would result in a monthly payment of approximately $227.10. A Home Equity Loan of $20,000 at 6.75% APR for a 180-month term would result in a monthly payment of approximately $176.98. A Home Equity Loan of $20,000 at 7.00% APR for a 240-month term would result in a monthly payment of approximately $155.06. Home Equity Loan payment examples do not include taxes and insurance premiums. Home Equity Loans do not escrow for taxes and insurance. These premiums will be paid separately from the Home Equity Loan principal and interest payment.
Property insurance is required on all Home Equity loans. A statement of property insurance will be requested prior to loan origination.
Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10.
Personal Loan Rates
Signature Loans
| Program | Term | Rate | APR |
|---|---|---|---|
| Signature Loan | Up to 36 months | As low as 12.99% APR | 14.477% APR |
| Signature Loan | Up to 48 months | As low as 15.49% APR | 16.647% APR |
| Signature Loan | Up to 60 months | As low as 15.74% APR | 16.195% APR |
Minimum Credit Score of 700 required. APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. There is a minimum loan amount of $5,000, a maximum loan amount of $48,000, a minimum 12-month term, and a floor rate of 12.99%. There is a $99 Processing Fee.1 Best Credit Financing Example: A Signature Loan of $5,000 at 14.477% APR for a 36-month term would result in a monthly payment of approximately $167.2 Best Credit Financing Example: A Signature Loan of $5,000 at 16.647% APR for a 48-month term would result in a monthly payment of approximately $139.3 There is a minimum loan amount of $10,000 for a 60-month term. Best Credit Financing Example: A Signature Loan of $10,000 at 16.195% APR for a 60-month term would result in a monthly payment of approximately $242.
Loan rates as of July 1, 2025.
Secured Loans
| Program | APR | Fixed or Varied Rate |
|---|---|---|
| Share Secured Loan | Share Dividend Rate + 3.00 - 7.00% APR | This APR will vary with the market based on the dividend rate. |
| Share Certificate Secured Loan | Share Certificate Dividend Rate + 3.00 - 7.00% APR | This APR will vary with the market based on the dividend rate. |
| Credit Saver Loan | Share Certificate Dividend Rate + 5.00 - 10.00% APR | This APR will vary with the market based on the dividend rate. |
APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. There is a $49 Processing Fee on all secured loans.
Loan rates as of July 1, 2025.
Line of Credit
| Program | APR1 |
|---|---|
| Overdraft Protection Line of Credit | 19.99% APR |
APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. The Overdraft Transaction fee is $5.00.
Loan rates as of July 1, 2025.
1.
There is a $500 minimum line of credit limit.
Checking Account Rates
Dividend Bearing Checking Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Student Checking Account | $25 or $500 Direct Deposit | Does not earn dividends | n/a | n/a |
| Free Checking Account | $25 or $500 Direct Deposit | Does not earn dividends | n/a | n/a |
| Plus Checking Account | $500 | $0.01 | 0.01% APY | 0.010% APR |
| Premium Plus Checking Account | $500 and aggregate relationship with CU1 of $50,000 | $0.01 | 0.01% APY | 0.010% APR |
| UIC Ignite Checking2 | $0 and Net Direct Deposit | $0.01 and Net Direct Deposit | 2.55% APY | 2.520% APR |
| High Yield Checking3 | $1,000 Direct Deposit | $0.01 | 4.75% APY | 4.649% APR |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
2.
APY = Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Direct Deposit is required to earn the current declared UIC Ignite Checking rate.
3.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Requirements to earn the current declared High Yield Checking rate on balances up to $10,000: You must (1) be enrolled in digital banking by registering for CU1’s digital banking service and create a password, (2) be enrolled in eStatements for the account in which the High Yield Checking Account is established, (3) have at least 15 CU1 Bill Pay or CU1 Visa® debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account, and (4) have minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month. Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY. Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements.
Savings Account Rates
Savings Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Primary Savings | $5 | $5 | 0.01% APY | 0.010% APR |
| Additional Savings | $0 | $0.01 | 0.01% APY | 0.010% APR |
| High Yield Savings2 | $0 | $1 | 2.00% APY | 1.982% APR |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
2.
APY = Annual Percentage Yield. Must be New Money and deposited into the High Yield Savings Account. “New Money” is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time. Any funds transferred in this manner will be redeposited into the original account and earn at the current rate). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate.
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.
IRA Certificate (Traditional, Roth or Educational)
| Term | Minimum Balance to Open and Earn Dividends | APY1 | APR | Early Withdrawal Penalty2 |
|---|---|---|---|---|
| 6 Months | $1,000 | 2.00% APY | 1.982% APR | 90 Days’ Dividends |
| 12 Months | $1,000 | 3.25% APY | 3.202% APR | 90 Days’ Dividends |
| 24 Months | $1,000 | 3.00% APY | 2.959% APR | 180 Days’ Dividends |
| 36 Months | $1,000 | 3.00% APY | 2.959% APR | 270 Days’ Dividends |
| 48 Months | $1,000 | 2.75% APY | 2.715% APR | 270 Days’ Dividends |
| 60 Months | $1,000 | 2.75% APY | 2.715% APR | 270 Days’ Dividends |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.
3.
Special 9-Month Share Certificate is a limited time offer and may be cancelled at any time without notice. There is a $1,000 minimum balance to open and earn dividends. Special 9-Month Share Certificate and 9-Month IRA Certificate are limited time offers and will automatically roll over when it reaches maturity to a 12-Month Share Certificate with a 10-day grace period where you can transfer the money to another Share Certificate or withdraw your money without penalty.
IRA Certificate Plus (Traditional, Roth or Educational)
| Term | Minimum Balance to Open and Earn Dividends | APY1 | APR | Early Withdrawal Penalty2 |
|---|---|---|---|---|
| 6 Months | $10,000 | 2.00% APY | 1.982% APR | 90 Days’ Dividends |
| 12 Months | $10,000 | 3.25% APY | 3.202% APR | 90 Days’ Dividends |
| 24 Months | $10,000 | 3.00% APY | 2.959% APR | 180 Days’ Dividends |
| 36 Months | $10,000 | 3.00% APY | 2.959% APR | 270 Days’ Dividends |
| 48 Months | $10,000 | 2.75% APY | 2.715% APR | 270 Days’ Dividends |
| 60 Months | $10,000 | 2.75% APY | 2.715% APR | 270 Days’ Dividends |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.
Savings IRA Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Savings IRA | $0 | $.01 | 0.01% APY | 0.010% APR |
| Savings ROTH IRA | $0 | $.01 | 0.01% APY | 0.010% APR |
| Savings Education IRA | $0 | $.01 | 0.01% APY | 0.010% APR |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
Money Market Accounts
| Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|
| $2,500 | $2,500 | 0.05% APY | 0.050% APR |
| $2,500 | $25,000 | 0.10% APY | 0.100% APR |
| $2,500 | $50,000 | 0.20% APY | 0.199% APR |
| $2,500 | $100,000 | 0.30% APY | 0.299% APR |
| $2,500 | $250,000 | 0.40% APY | 0.399% APR |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
Fighting Irish Rates
Fighting Irish Checking Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Fighting Irish Checking Account | $0 and Net Direct Deposit | $0.01 | 2.55% APY | 2.520% |
Dividends calculated using Average Daily Balance
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
Business Banking Rates
Business Checking Accounts
| Program | Minimum Balance Requirement | Minimum Deposit to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|---|
| Business Elite Checking | $25,0002 | $100 | $0.01 | 0.01% APY | 0.010% |
| Business Performance Checking | $5,0003 | $100 | $0.01 | 0.01% APY | 0.010% |
| Business Express Checking | $1,5004 | $100 | Does not earn dividends | n/a | n/a |
| Community Checking | n/a | $100 | Does not earn dividends | n/a | n/a |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
2.
If balance falls below the $25,000 minimum average daily balance requirement, there is a $50.00 fee per month. Waived if Merchant Services are deposited into the account.
3.
If balance falls below the $5,000 minimum average daily balance requirement, there is a $15.00 fee per month. Waived if Merchant Services are deposited into the account.
4.
If balance falls below the $1,500 minimum average daily balance requirement, there is a $10.00 fee per month. Waived if Merchant Services are deposited into the account.
Business Savings Accounts
| Program | Minimum Deposit to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Primary Savings | $5 | $5 | 0.01% APY | 0.010% APR |
| ModernFI Sweep Account | n/a | n/a | 0.30% APY | 0.299% APR |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
Business Money Market Accounts
| Minimum Deposit to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|
| $5,000 | $5,000 | 0.05% APY | 0.050% APR |
| $5,000 | $25,000 | 0.10% APY | 0.100% APR |
| $5,000 | $50,000 | 0.20% APY | 0.199% APR |
| $5,000 | $100,000 | 0.30% APY | 0.299% APR |
| $5,000 | $250,000 | 0.40% APY | 0.399% APR |
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.
Last Dividend Declaration Date: June 26, 2025. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.
