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Business
Rates
& Fees

Helping Businesses Grow is What We Do

Let’s get you where you want to grow, with the right rates on savings or checking accounts or our Grow Visa^® Business Rewards Credit Card.

To make sure your money stays where it belongs, we also make it easy for you to understand what fees you may be charged and how to avoid them. View the Business Fee Schedule.

Savings
Checking
Credit Cards

Business Savings Accounts	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)
Business Savings	$1.00	0.05%	0.05%¹

Money Market Accounts	Dividend Rate	Annual Percentage Yield (APY)
Balance less than $1,000	0.00%	0.00%²
Balance of $1,000 to $9,999.99	0.10%	0.10%²
Balance of $10,000 to $24,999.99	0.15%	0.15%²
Balance of $25,000 to $49,999.99	0.20%	0.20%²
Balance of $50,000 to $99,999.99	0.25%	0.25%²
Balance over $100,000	0.40%	0.40%²

Certificate Accounts	Dividend Rate $500 - $99,999.99	Annual Percentage Yield (APY) $500 - $99,999.99	Dividend Rate $500 - $99,999.99	Annual Percentage Yield (APY) $100,00+
6 - 11 months	0.30%	0.30%³	0.40%	0.40%³
12 - 17 months	0.40%	0.40%³	0.50%	0.50%³
18 - 23 months	0.40%	0.40%³	0.50%	0.50%³
24 - 29 months	0.45%	0.45%³	0.55%	0.55%³
30 - 35 months	0.45%	0.45%³	0.55%	0.55%³
36 - 47 months	0.55%	0.55%³	0.65%	0.65%³
48 - 59 months	0.65%	0.65%³	0.75%	0.75%³
60 months	0.75%	0.75%³	0.85%	0.85%³

¹The APY quoted is effective as of 04/01/2020 and is subject to change. The APY may change after the account is opened. This is a variable rate account. Fees could reduce earnings. Minimum opening deposit of $1.00.

²The APY quoted is effective as of 09/01/2020 and is subject to change. The APY may change after the account is opened. This is a tiered variable rate account. Fees could reduce earnings.

³The APY quoted is effective as of 08/01/2020 and is subject to change. The APY may change after the account is opened. Fees could reduce earnings. A penalty may be imposed for early withdrawals. If the Account is opened with $100,000 or more, you must maintain a daily balance of $100,000 in your Account each day to obtain the disclosed APY. If the Account is opened with less than $100,000, you must maintain a minimum daily balance of $500.00 in your Account each day to obtain the disclosed APY. If your Account falls below the minimum balance requirements, your Account will be closed.

Business Checking Accounts	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)
Grow Business Checking	$0.00	0.00%	0.00%
High Yield Business Checking	$0.00
Balance less than $10,000		0.00%	0.00%¹
Balance of $10,000 to $24,999.99		0.15%	0.15%¹
Balance of $25,000 to $49,999.99		0.30%	0.30%¹
Balance of $50,000 and more		0.40%	0.40%¹

¹The APY quote is effective as of 10/01/2015 and is subject to change. The APY may change after the account is opened. This is a tiered variable rate account. Fees could reduce earnings on the account. If the minimum daily balance falls below $10,000, a $15 monthly service fee will be charged.

	Annual Percentage Rate (APR)
Business Rewards	Introductory rate as low as 1.99% to 4.99% APR. The introductory rate is effective for the first six billing cycles for qualifying members on purchases and balance transfers. The introductory rate the business owner receives will be based on their creditworthiness and other factors. After the introductory period expires, your APR will range between 10.24% to 12.24%* for purchases and balance transfers. This is a variable rate.

Annual Percentage Rate (APR)

Business Rewards

Introductory rate as low as 1.99% to 4.99% APR. The introductory rate is effective for the first six billing cycles for qualifying members on purchases and balance transfers. The introductory rate the business owner receives will be based on their creditworthiness and other factors. After the introductory period expires, your APR will range between 10.24% to 12.24%* for purchases and balance transfers. This is a variable rate.

*Annual Percentage Rate (APR). This rate will vary with the market based on Prime Rate as published in the Wall Street Journal “Money Rates” table on the last day of each calendar month. The APR will not exceed 18.00%. If the minimum monthly payment is 60 days late twice in a twelve month period, the rate will revert to a default rate of 18.00% for six (6) billing cycles. Other APRs: Cash Advances 18.00%, Overdraft to Share Account 18.00%. A finance charge of 1.00% will be charged on foreign transactions. The rate the business owner receives will be based on their creditworthiness and other factors. Rates are effective as of 11/01/2019 and could change without notice.

Grow Savings Accounts are subject to ChexSystems^® approval.

Business Rates & Fees

Helping Businesses Grow is What We Do

Business
Rates
& Fees