All Business Checking Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures. Truth-in-Savings Disclosure Except as specifically described, the following disclosures apply to all accounts

1. Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Business Service Pricing Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below $1,000.00, then the interest rate will reflect the current share rate.
2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Business Service Pricing Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
3. Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
4. Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g. checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
5. Balance Information. The minimum balance required to open each account is set forth in the Business Service Pricing Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Business Service Pricing Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market and Secondary Shares, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
6. Account Limitations. For Money Market accounts, transaction limitations may apply. We may limit to no more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers may be made from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee. Refer to the Business Membership & Account Agreement for additional information

All Business Savings Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures. Truth-in-Savings Disclosure Except as specifically described, the following disclosures apply to all accounts

1. Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Business Service Pricing Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below $1,000.00, then the interest rate will reflect the current share rate.
2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Business Service Pricing Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
3. Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
4. Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g. checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
5. Balance Information. The minimum balance required to open each account is set forth in the Business Service Pricing Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Business Service Pricing Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market and Secondary Shares, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
6. Account Limitations. For Money Market accounts, transaction limitations may apply. We may limit to no more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers may be made from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee. Refer to the Business Membership & Account Agreement for additional information