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Your Business

Business Rates

Rates that are great

Our business is taking care of YOUR business and that also means offering rates that help you grow.

Business Checking

Balance APY
$2,000 - $24,999.99  0.03% APY
$25,000 - $74,999.99  0.05% APY
$75,000 & over 0.07% APY
Business Money Market
Balance APY
$2,500 - $9,999.99  0.05% APY
$10,000 - $24,999.99  0.05% APY
$25,000 - $49,999.99  0.10% APY
$50,000 - $99,999.99 0.15% APY
$100,000 & Over 0.20% APY

Business Savings

Balance APY
$200 & over 0.05% APY
 
 
DEPOSIT ACCOUNT DISCLOSURES: APY = Annual Percentage Yield. Yields are subject to change. Please see a member service representative about applicable fees and terms.  How is interest calculated?  Checking - monthly; Money Market - monthly; Membership Savings -quarterly.  What is the minimum balance to open an account? Checking - $50.00; Money Market - $50.00; Membership Savings - $5.00. Checking, Money Market and Business Savings APYs are as of 10-27-2020  with dividends declared monthly. 
 
Interest Rates Interest Charges
Annual Percentage Rates (APR) for purchases 5.25% - This APR will vary with the market based on the Prime Rate
APR for Balance Transfers 5.25% - This APR will vary with the market based on the Prime Rate
APR for Cash Advances 5.25% - This APR will vary with the market based on the Prime Rate
Penalty APR
None
How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None

Fees

Fee Type Fee Charge
Annual Fee $0
Balance Transfer $0
Cash Advance $0
Foreign Transaction 1% of each transaction in U.S. Dollars
Late Payment Up to $30
Over the Credit Limit Up to $30
Returned Payment $25
Card Replacement $5
Document Copy $10
 
How we will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). 
Visa® CREDIT CARD DISCLOSURES: Rates and fees are accurate as of 03-27-2020. This information may have changed after that date. To find out what may have changed, call us at 1 (517) 263-9120 or write to us at P.O. Box 927, Adrian, Michigan 49221.  Card Holder Agreement  Download Acrobat Reader here.