Business Deposit Rates Shares, Checking, Certificates and Money Market Accounts
Business Certificates**
| Term | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 3 Month | Interest Rate 0.996% | Annual Percentage Yield (APY) 1.00% |
| 6 Month | Interest Rate 2.722% | Annual Percentage Yield (APY) 2.75% |
| 12 Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% |
| 24 Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% |
| 36 Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% |
| 60 Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% |
| 7-Month CD Special | Interest Rate 4.184% | Annual Percentage Yield (APY) 4.25% |
| 19-Month CD Special | Interest Rate 3.698% | Annual Percentage Yield (APY) 3.75% |
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
** Business CDs do not qualify for the Member Perks .25% bump.
*APY = annual percentage yield and is accurate as of September 9, 2026. Offer is subject to change and may be discontinued at any time, but no earlier than September 30, 2026. No minimum deposit. New members must meet membership qualifications. For existing members to qualify for promotion, at least 50% of the funds used to open a new certificate must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources other than iQ Credit Union Accounts.
7-month CD special: At maturity, promotional certificate will mature into a 6-month certificate, at then-current rate.
19-month CD special: At maturity, promotional certificate will mature into a 12-month certificate, at then-current rate.
**Eligible for Member Perks bump upon qualification and request at CD opening. To receive Member Perks, your iQ account must feature a savings and checking account with an active debit card, as well as enrollment in eStatements and our Easy Saver program. Penalties may apply for early withdrawal. Fees could reduce earnings on these accounts. Federally insured by the NCUA.
Money Markets (Business)
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open |
|---|---|---|---|
| $0—$999 | Interest Rate 0.050% | Annual Percentage Yield (APY) 0.05% | Minimum to Open $10,000.00 |
| $1000—$9,999 | Interest Rate 0.946% | Annual Percentage Yield (APY) 0.95% | Minimum to Open $10,000.00 |
| $10,000—$49,999.99 | Interest Rate 1.588% | Annual Percentage Yield (APY) 1.60% | Minimum to Open $10,000.00 |
| $50,000—$99,999.99 | Interest Rate 1.982% | Annual Percentage Yield (APY) 2.00% | Minimum to Open $10,000.00 |
| $100,000—$499,999.99 | Interest Rate 2.472% | Annual Percentage Yield (APY) 2.50% | Minimum to Open $10,000.00 |
| $500,000-$999,999.99 | Interest Rate 2.960% | Annual Percentage Yield (APY) 3.00% | Minimum to Open $10,000.00 |
| $1,000,000+ | Interest Rate 3.445% | Annual Percentage Yield (APY) 3.50% | Minimum to Open $10,000.00 |
Business Money Market Accounts: *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.
Interest Checking
Rates Effective as of November 1, 2025
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance | Minimum to Open |
|---|---|---|---|---|
| Interest Checking | Interest Rate 0.050% | Annual Percentage Yield (APY) 0.05% | Minimum Balance $0.00 | Minimum to Open $0.00 |
Business Shares
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance | Minimum to Open |
|---|---|---|---|---|
| Regular Shares | Interest Rate 0.050% | Annual Percentage Yield (APY) 0.050% | Minimum Balance $100.00 | Minimum to Open $5.00 |
Business Loan Rates Loans
Business Loans
Visa Signature Travel®
Visa Signature Travel®
September 25, 2026
| Loan Type | APR for Purchases* | APR for Cash Advances* |
|---|---|---|
| Visa Signature Travel | APR for Purchases* 13.99% - 17.99% | APR for Cash Advances* 13.99% - 17.99% |
*APR= Annual Percentage Rate.
All Business Credit Cards: The current Wall Street Journal prime index rate is 7.00%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Disclosure for VISA® Signature Travel Card for Your Business