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Business Rates

Our Commercial Banking Rates

Deposit Rates

Type of Account Rate APY* Fixed/Variable Minimum Balance to Earn APY Compounding
Shares: Regular 0.05% 0.05% Variable $5.00 Quarterly
Business Money Market 0.00% 0.00% Variable Savers Edge $0 - $4,999.99 Monthly
Business Money Market 0.15% 0.15% Variable Savers Edge $5,000 - $49,999.99 Monthly
Business Money Market 0.25% 0.25% Variable Savers Edge $50,000 - $99,999.99 Monthly
Business Money Market 0.40% 0.40% Variable Savers Edge $100,000 - $249,999.99 Monthly
Business Money Market 0.45% 0.45% Variable Savers Edge $250,000+ Monthly
Premier Checking1 0.01% 0.01% Variable $750.00 Monthly
Premier Checking Non-Profit 0.01% 0.01% Variable $750.00 Monthly
Business Checking1 Non-Interesting bearing Non-Interesting bearing N/A N/A N/A
*APY= Annual Percentage Yield. Rates are subject to change without notice. Note: Fees could reduce the earning on accounts. On variable rate accounts the rate may change after the account is opened. Variable rates are accurate as of the last dividend declaration date or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date listed above. Contact a Representative for information about applicable fees and terms. 1Minimum balance of $100 to open a checking account; no minimum to open Business Non-Profit Checking Accounts. 

Certificate Rates2

The minimum to open any Business Certificate is $1,000. Compounding is daily.
Type of Account Rate APY*
6 Months 1.00% 1.00%
9 Months1 Featured New Money 3.44% 3.50%
11 Months2 Top Rate $50,000 New Money 3.92% 4.00%
12 Months 1.24% 1.25%
18 Months 1.00% 1.00%
24 Months 1.24% 1.25%
36 Months 2.96% 3.00%
48 Months 2.23% 2.25%
60 Months 2.71% 2.75%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Important Notes: Fees could reduce the earnings on accounts. View a listing of current fees imposed by the Credit Union. On variable rate accounts, the rate may change after the account is opened. Variable rates are accurate as of the date shown immediately above the respective rate table or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date shown immediately above the respective rate table.

1 Earn 3.50% APY on a 9-month Regular Share Certificate with a $5,000 deposit in new money. Otherwise, the rate is 3.25% APY. Bonus for Active Members: Maintain an active checking account and/or have an active loan with us and we will waive the new money requirement and you earn 3.50% APY. A penalty may be charged for early withdrawal. Rates offered are subject to change at any time without prior notice.

2 Earn 4.00% APY on an 11-month Regular Share Certificate with a $50,000 deposit in new money. Otherwise, the rate is 3.75% APY. A penalty may be charged for early withdrawal. Rates offered are subject to change at any time without prior notice.  

Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership. Federally insured by NCUA.





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Deposit Rates

Type of Account Rate APY* Fixed/Variable Minimum Balance to Earn APY Compounding
Shares: Regular 0.05% 0.05% Variable $5.00 Quarterly
Business Money Market 0.00% 0.00% Variable Savers Edge $0 - $4,999.99 Monthly
Business Money Market 0.15% 0.15% Variable Savers Edge $5,000 - $49,999.99 Monthly
Business Money Market 0.25% 0.25% Variable Savers Edge $50,000 - $99,999.99 Monthly
Business Money Market 0.40% 0.40% Variable Savers Edge $100,000 - $249,999.99 Monthly
Business Money Market 0.45% 0.45% Variable Savers Edge $250,000+ Monthly
Premier Checking1 0.01% 0.01% Variable $750.00 Monthly
Premier Checking Non-Profit 0.01% 0.01% Variable $750.00 Monthly
Business Checking1 Non-Interesting bearing Non-Interesting bearing N/A N/A N/A
*APY= Annual Percentage Yield. Rates are subject to change without notice. Note: Fees could reduce the earning on accounts. On variable rate accounts the rate may change after the account is opened. Variable rates are accurate as of the last dividend declaration date or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date listed above. Contact a Representative for information about applicable fees and terms. 1Minimum balance of $100 to open a checking account; no minimum to open Business Non-Profit Checking Accounts. 

Certificate Rates2

The minimum to open any Business Certificate is $1,000. Compounding is daily.
Type of Account Rate APY*
6 Months 1.00% 1.00%
9 Months1 Featured New Money 3.44% 3.50%
11 Months2 Top Rate $50,000 New Money 3.92% 4.00%
12 Months 1.24% 1.25%
18 Months 1.00% 1.00%
24 Months 1.24% 1.25%
36 Months 2.96% 3.00%
48 Months 2.23% 2.25%
60 Months 2.71% 2.75%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Important Notes: Fees could reduce the earnings on accounts. View a listing of current fees imposed by the Credit Union. On variable rate accounts, the rate may change after the account is opened. Variable rates are accurate as of the date shown immediately above the respective rate table or are prospective dividend rates for the current dividend period. Fixed rates are accurate as of the date shown immediately above the respective rate table.

1 Earn 3.50% APY on a 9-month Regular Share Certificate with a $5,000 deposit in new money. Otherwise, the rate is 3.25% APY. Bonus for Active Members: Maintain an active checking account and/or have an active loan with us and we will waive the new money requirement and you earn 3.50% APY. A penalty may be charged for early withdrawal. Rates offered are subject to change at any time without prior notice.

2 Earn 4.00% APY on an 11-month Regular Share Certificate with a $50,000 deposit in new money. Otherwise, the rate is 3.75% APY. A penalty may be charged for early withdrawal. Rates offered are subject to change at any time without prior notice.  

Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership. Federally insured by NCUA.





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