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 10-28-2021 with dividends declared monthly.
Rates that are great
Our business is taking care of YOUR business and that also means offering rates that help you grow.
Business Checking & Savings Rates
|$2,000 - $24,999.99||0.03% APY|
|$25,000 - $74,999.99||0.05% APY|
|$75,000 & over||0.07% APY|
|$2,500 - $9,999.99||0.03% APY|
|$10,000 - $24,999.99||0.05% APY|
|$25,000 - $49,999.99||0.07% APY|
|$50,000 - $99,999.99||0.10% APY|
|$100,000 & Over||0.15% APY|
|$200 & over||0.03% APY|
Business Credit Card - Rates as low as 5.25% APR^
|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
|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|
|Fee Type||Fee Charge|
|Foreign Transaction||1% of each transaction in U.S. Dollars|
|Late Payment||Up to $30|
|Over the Credit Limit||Up to $30|
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.
^ = Stated loan rate available to members with qualifying credit scores. Actual rate(s) may be higher and will be determined by a member's individual credit score and collateral if applicable. All loans subject to credit approval.