Business Truth-in-Savings

We want to ensure transparency with our business members. That's why we provide rates, fees, and terms in our Truth-in-Savings disclosure.

Rates as of 07/01/25

Business Savings

Schedule of Interest

Business Savings

Interest Rate	APY^†	Minimum Balance^††	Minimum Deposit	Additional Deposit	Frequency of Rate Change	Interest Compounded	Interest Credited
...	...	$0.01	$100.00	Allowed	Variable	Daily	End of Month

Business Signature Savings

Balance Tier	Interest Rate	APY^†	Minimum Balance^††	Minimum Deposit	Additional Deposit	Frequency of Rate Change	Interest Compounded	Interest Credited
$49,999.99 or below	...	...	$0.01	$100	Allowed	Variable	Daily	End of Month
$50,000.00 - $249,999.99	...	...	$50,000.00	$100	Allowed	Variable	Daily	End of Month
$250,000.00 - $999,999.99	...	...	$250,000.00	$100	Allowed	Variable	Daily	End of Month
$1,000,000.00 - $2,499,999.99	...	...	$1,000,000.00	$100	Allowed	Variable	Daily	End of Month
$2,500,000.00 +	...	...	$2,500,000.00	$100	Allowed	Variable	Daily	End of Month

Business Preferred Savings

Balance Tier	Interest Rate	APY^†	Minimum Balance^††	Minimum Deposit	Additional Deposit	Frequency of Rate Change	Interest Compounded	Interest Credited
$4,999.99 or below	...	...	$0.01	$100	Allowed	Variable	Daily	End of Month
$5,000.00 - $9,999.99	...	...	$5,000.00	$100	Allowed	Variable	Daily	End of Month
$10,000.00 - $24,999.99	...	...	$10,000.00	$100	Allowed	Variable	Daily	End of Month
$25,000.00 - $49,999.99	...	...	$25,000.00	$100	Allowed	Variable	Daily	End of Month
$50,000.00 - $99,999.99	...	...	$50,000.00	$100	Allowed	Variable	Daily	End of Month
$100,000.00 +	...	...	$100,000.00	$100	Allowed	Variable	Daily	End of Month

Business Savings
Interest Rate	...
APY^†	...
Minimum Balance^††	$0.01
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Signature Savings ($49,999.99 or below)
Interest Rate	...
APY^†	...
Minimum Balance^††	$0.01
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Signature Savings ($50,000.00 - $249,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$50,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Signature Savings ($250,000.00 - $999,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$250,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Signature Savings ($1,000,000.00 - $2,499,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Signature Savings ($2,500,000.00 +)
Interest Rate	...
APY^†	...
Minimum Balance^††	$2,500,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Preferred Savings ($4,999.99 or below)
Interest Rate	...
APY^†	...
Minimum Balance^††	$0.01
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Preferred Savings ($5,000.00 - $9,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$5,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Preferred Savings ($10,000.00 - $24,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$10,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Preferred Savings ($25,000.00 - $49,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$25,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Preferred Savings ($50,000.00 - $99,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$50,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Business Preferred Savings ($100,000.00 +)
Interest Rate	...
APY^†	...
Minimum Balance^††	$100,000.00
Minimum Deposit	$100.00
Additional Deposit	Allowed
Frequency of Rate Change	Variable
Interest Compounded	Daily
Interest Credited	End of Month

Certificates of Deposit

Schedule of Interest

Terms	Interest Rate	APY^†	Minimum Balance^††	Minimum Deposit	Additional Deposit	Frequency of Rate Change	Interest Compounded	Interest Credited
3-Month	...	...	$0.01	$100	Not Allowed	Fixed	Daily	End of Month
6-Month	...	...	$1,000	$1,000	Not Allowed	Fixed	Daily	End of Month
12-Month	...	...	$1,000	$1,000	Not Allowed	Fixed	Daily	End of Month
24-Month	...	...	$1,000	$1,000	Not Allowed	Fixed	Daily	End of Month
36-Month	...	...	$1,000	$1,000	Not Allowed	Fixed	Daily	End of Month
48-Month	...	...	$1,000	$1,000	Not Allowed	Fixed	Daily	End of Month
60-Month	...	...	$1,000	$1,000	Not Allowed	Fixed	Daily	End of Month
7-Month Special	...	...	$1,000	$1,000	Not Allowed	Fixed	Daily	End of Month

Certificates of Deposit (Terms 3-Month)
Interest Rate	...
APY^†	...
Minimum Balance^††	$0.01
Minimum Deposit	$100.00
Additional Deposit	Not Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

Certificates of Deposit (Terms 6-Month)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000
Minimum Deposit	$1,000
Additional Deposit	Not Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

Certificates of Deposit (Terms 12-Month)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000
Minimum Deposit	$1,000
Additional Deposit	Not Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

Certificates of Deposit (Terms 24-Month)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000
Minimum Deposit	$1,000
Additional Deposit	Not Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

Certificates of Deposit (Terms 36-Month)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000
Minimum Deposit	$1,000
Additional Deposit	Not Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

Certificates of Deposit (Terms 48-Month)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000
Minimum Deposit	$1,000
Additional Deposit	Not Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

Certificates of Deposit (Terms 60-Month)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000
Minimum Deposit	$1,000
Additional Deposit	Not Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

Certificates of Deposit (7-Month Special)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000
Minimum Deposit	$1,000
Additional Deposit	Not Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

Checking Accounts

Schedule of Interest

IOTA Checking

Balance Tier	Interest Rate	APY^†	Minimum Balance^††	Minimum Deposit	Additional Deposit	Frequency of Rate Change	Interest Compounded	Interest Credited
$99,999.99 or below	...	...	$0.01	$100	Allowed	Fixed	Daily	End of Month
$100,000.00 - $499,999.99	...	...	$100,000.00	$100	Allowed	Fixed	Daily	End of Month
$500,000.00 - $999,999.99	...	...	$500,000.00	$100	Allowed	Fixed	Daily	End of Month
$1,000,000.00 +	...	...	$1,000,000.00	$100	Allowed	Fixed	Daily	End of Month

IOTA Checking ($99,999.99 or below)
Interest Rate	...
APY^†	...
Minimum Balance^††	$0.01
Minimum Deposit	$100
Additional Deposit	Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

IOTA Checking ($100,000.00 - $499,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$100,000.00
Minimum Deposit	$100
Additional Deposit	Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

IOTA Checking ($500,000.00 - $999,999.99)
Interest Rate	...
APY^†	...
Minimum Balance^††	$500,000.00
Minimum Deposit	$100
Additional Deposit	Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

IOTA Checking ($1,000,000.00 +)
Interest Rate	...
APY^†	...
Minimum Balance^††	$1,000,000.00
Minimum Deposit	$100
Additional Deposit	Allowed
Frequency of Rate Change	Fixed
Interest Compounded	Daily
Interest Credited	End of Month

† APY = Annual Percentage Yield

†† Minimum balance needed to obtain the stated Annual Percentage Yield

The rates appearing with this Schedule are accurate as of the Last Dividend Declaration Date indicated on this Business Rates Disclosure. If you have any questions or require current rate and fee information on your accounts, please contact the Credit Union.

The rates, fees, and terms applicable to your account at the Credit Union are provided in this Business Rates Disclosure. The Credit Union may offer other rates for these accounts from time to time.