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Rates
Business Rates
View current rates for a variety of business accounts and loans
Keep your business moving forward with competitive loan rates
All business and commercial loan rates depend on a number of factors, including the amount you borrow, financial strength of business, collateral, term of the loan, and your credit rating. Generally, rates are:
- Lines of credit and construction loans:
Wall Street Journal prime rate, plus 0-6%.
- Adjustable-rate term loans:
3-Year or 5-Year US Treasury Securities, plus 2-6%. - Variable rate term loans:
Wall Street Journal prime rate, plus 0-6%.
Business Share Secured Loan Rates
| Loan Type | Rate Information |
|---|---|
| Business Share Secured Loans | Rate is based on the share or certificate rate plus points between 2–4%, depending on the term of the loan. |
Term Loans Not Secured by Real Estate
| Loan Type | Rate Information |
|---|---|
| Business Term Loans Not Secured by Real Estate |
Rates on inventory and security loans can be fixed or variable:
Rate on equipment loans can be fixed, variable, or adjustable*:
* Adjustment period is every 3 or 5 years |
Commercial Real Estate Rates
| Loan Type | Rate Information |
|---|---|
| Commercial Real Estate Loans |
Rate can be fixed, variable or adjustable*:
|
Secured & Unsecured Lines of Credit Rates
| Loan Type | Rate Information |
|---|---|
| Secured Lines of Credit | Rate is floating based on the Wall Street Journal prime rate plus points. |
| Unsecured Lines of Credit | Rate is floating based on the Wall Street Journal prime rate plus points. |
Business Checking and Savings Rates
Business Checking Account Rates
Rates as of 06/01/2023
| Account Balance | APY** | Minimum Balance to Earn |
|---|---|---|
| Business Checking <1,000 | .00% | N/A |
| Business Checking $1,000 - $9,999 | .05% | $1,000 |
| Business Checking $10,000 - $49,999 | .05% | $10,000 |
| Business Checking $50,000 - $99,999 | .05% | $50,000 |
| Business Checking > $100,000 | .05% | $100,000 |
Business Savings Account Rates
Rates as of 06/01/2023
| Type | APY* | Dividend** | Minimum Balance to Earn |
|---|---|---|---|
| Savings | .10% | .10% | $50 |
Business Money Market Account Rates
Rates as of 06/01/2023
| Type | APY* | Dividend** | Minimum Balance to Earn |
|---|---|---|---|
| Money Market | .20% | .20% | $5,000 |
| Money Market | .25% | .25% | $10,000 |
| Money Market | .30% | .30% | $25,000 |
| Money Market | .40% | .40% | $50,000 |
| Money Market | .45% | .45% | $100,000 |
| Money Market | .50% | .50% | $250,000 |
Business Certificate Rates
Business Certificate Rates
Rates as of 06/01/2023
| Minimum Balance | Term | |||
|---|---|---|---|---|
| $500 | $10,000 | $100,000 | $250,000 | |
| 1 - 2 Months | ||||
| Dividend Rates* | .55% | .55% | .55% | .55% |
| APY* | .55% | .55% | .55% | .55% |
| 3 - 5 Months | ||||
| Dividend Rates* | 1.20% | 1.20% | 1.20% | 1.20% |
| APY* | 1.20% | 1.20% | 1.20% | 1.20% |
| 6 - 8 Months | ||||
| Dividend Rates* | 4.55% | 4.55% | 4.55% | 4.55% |
| APY* | 4.55% | 4.55% | 4.55% | 4.55% |
| 9 - 11 Months | ||||
| Dividend Rates* | 2.20% | 2.20% | 2.20% | 2.20% |
| APY* | 2.20% | 2.20% | 2.20% | 2.20% |
| 12 - 17 Months | ||||
| Dividend Rates* | 2.28% | 2.28% | 2.42% | 2.57% |
| APY* | 2.30% | 2.30% | 2.45% | 2.60% |
| 18 - 23 Months | ||||
| Dividend Rates* | 4.65% | 4.65% | 4.65% | 4.65% |
| APY* | 4.75% | 4.75% | 4.75% | 4.75% |
| 24 - 35 Months | ||||
| Dividend Rates* | 2.47% | 2.47% | 2.62% | 2.76% |
| APY* | 2.50% | 2.50% | 2.65% | 2.80% |
| 36 - 47 Months | ||||
| Dividend Rates* | 2.57% | 2.57% | 2.72% | 2.86% |
| APY* | 2.60% | 2.60% | 2.75% | 2.90% |
| 48 - 59 Months | ||||
| Dividend Rates* | 2.67% | 2.67% | 2.81% | 2.96% |
| APY* | 2.70% | 2.70% | 2.85% | 3.00% |
| 60 Months | ||||
| Dividend Rates* | 2.86% | 2.86% | 3.01% | 3.15% |
| APY* | 2.90% | 2.90% | 3.05% | 3.20% |
*The Annual Percentage Yield (APY) is a prospective rate that Global anticipates paying for the applicable dividend period. APYs are variable and may change after an account is opened. Fees and other conditions may reduce earnings.
**Dividends on Business Checking Accounts are calculated daily by multiplying the total account balance for the day (closing balance) by the applicable dividend rate for the day. Dividends are paid monthly.
For complete account disclosure information, refer to your Business Share Account Disclosure Statement or call the Member Service Center at 800-525-9094. Member accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Fund.