Business Savings
Help Build Your Cash Reserves with Business Savings and Money Market Accounts
Make the most of your business profits by storing your cash reserves where it will earn interest.
Make the most of your business profits by storing your cash reserves where it will earn interest.
iQ Credit Union offers both Business Savings and Business Money Market accounts, giving you a place to let your profits grow without tying up your capital.
If you want to earn more, why not consider a Business Certificate of Deposit? We offer CDs from three months to 60 months with different rates of return.
24-hour Access to Your Account
Free online banking access for single or multiple users
Save with Interest for Taxes, Emergencies, or Expansions
Safe Guaranteed Rate of Return
Certificates Insured by the NCUA
Flexible Terms
Pick the right term for your business needs
Earn Higher Interest and Maximize Business Earnings
Easy Access to Your Excess Funds
Withdraw funds when needed, up to six withdrawals per month
Earn Higher Interest on Your Surplus Capital
Tiered options to fit your needs
Use Savings for Taxes, Emergencies, or Expansions
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance | Minimum to Open | Title-Date | More Info |
|---|---|---|---|---|---|---|
| Regular Shares | 0.050% | 0.050% | $100.00 | $5.00 |
* Fees may reduce earnings on the account. Rates may change at any time, including after account is opened.
| Term | Interest Rate | Annual Percentage Yield (APY) | Title-Date | More Info |
|---|---|---|---|---|
| 3 Month | 0.698% | 0.70% | ||
| 6 Month | 1.343% | 1.35% | ||
| 12 Month | 2.231% | 2.25% | ||
| 24 Month | 2.967% | 3.00% | ||
| 36 Month | 3.211% | 3.25% | ||
| 60 Month | 3.455% | 3.50% | ||
| 117 Month CD Special | 4.184% | 4.25% | ||
| 27 Month CD Special | 3.941% | 4.00% | ||
| 39 Month CD Special | 2.477% | 2.50% | ||
| 411 Month CD Special | 4.668% | 4.75% |
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open | Title-Date | More Info |
|---|---|---|---|---|---|
| $0—$999 | 0.050% | 0.05% | $10,000.00 | ||
| $1000—$9,999 | 1.243% | 1.25% | $10,000.00 | ||
| $10,000—$49,999.99 | 1.982% | 2.00% | $10,000.00 | ||
| $50,000—$99,999.99 | 2.472% | 2.50% | $10,000.00 | ||
| $100,000—$499,999.99 | 2.960% | 3.00% | $10,000.00 | ||
| $500,000-$999,999.99 | 3.445% | 3.50% | $10,000.00 | ||
| $1,000,000+ | 3.928% | 4.00% | $10,000.00 |
* Fees may reduce earnings on the account. Rates may change at any time, including after account is opened. View Business Service Pricing Schedule for account fees. Minimum balance of $10,000 required to avoid monthly service fee.
Business Certificates: *Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures and view Business Service Pricing Schedule for account fees
1 17-Month CD Special APY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 17-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 12-month certificate, at then-current rate.
27-Month CD SpecialAPY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 7-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 6-month certificate, at then-current rate.
39-Month CD Special APY = annual percentage yield and is accurate as of November. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 9-month term and there are no minimum or maximum deposit amounts required. Promotional certificate will mature into a 6-month certificate, at then-current rate.
4 11-Month CD Special APY = annual percentage yield and is accurate as of February 6, 2023. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 11-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 6-month certificate, at then-current rate.
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