a group of three males is sitting around a table, with a laptop out during a business meeting

Business Deposit Rates

Limited Time 7-Mo Promo CD

4.00% APY*

7 Month Promotional CD
Only $500 minimum to open5

Open Your CD Account Online,
by Phone, or at a Branch

NEW "High Five" CD Ladder

Up to 5.00% APY*

(5-10-15-20 Months)
Only $2,000 minimum to open7

Open Your CD Account by Phone,
or at a Branch
Amount Dividend Rates APY*
$5.00 to $99.99 .0% N/A
$100 and over .05% .05%


Apply online now to open your membership account.
Type Dividend Rates APY*
Small Business Checking N/A N/A

 

High-Yield Business Checking Rates


Balance Tiers Dividend Rate1 APY*
$0.01 - $9,999.99

0%

0%

Earn Dividends when you use your Business Debit Mastercard®1

Plus, Low to no monthly fees!
$10,000 - $14,999.99 1.98%   0% - 0.67%
$15,000 - $24,999.99 1.00% 0.67% - 0.80%
$25,000 and higher 0.05% 0.80% - 0.24%


 

FOR A LIMITED TIME, EARN 3.00% APY*
WITH A NEW ACCOUNT 6-MONTH PROMO RATE

Open your Maximum Money Market™ account today with $50,000 or more to get the New Account Promotional Rate on your entire balance for 6 months.6

Balance Tiers Guaranteed Dividend Rates2 Dividend Rate APY*
$0.01 - $49,999.99
0.10% 0.10%
$50,000 - $149,999.99
WSJP minus 7.00%
 0.50% 0.50%
$150,000 - $299,999.99
WSJP minus 6.75%
 0.75% 0.75%
$300,000 - $499,999.99
WSJP minus 6.50%
 1.00% 1.00%
$500,000 - $999,999.99
WSJP minus 5.50%
 2.00%  2.02%
$1,000,000 and higher
WSJP minus 4.50% 
 3.00% 3.04%
$50,000 and higher
LIMITED TIME 
6-Month New Account Promotional Rate8
 2.96% 3.00%
 
Balance Tiers Dividend Rate2 APY*
$2,000 - $9,999.99 0.10% 0.10%
$10,000 - $49,999.99 0.10% 0.10%
$50,000 and higher 0.15% 0.15%
($500.00 – $99,999.99) 
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. Learn more about our CDs here.
Term Dividend Rates4,5 APY*
6 Month CD 1.74% 1.75%
7 Month Promotional CD 3.93% 4.00%
12 Month CD 2.96% 3.00%
14 Month Promotional CD
 3.69% 3.75%
18 Month CD 3.69% 3.75%
24 Month CD 3.69% 3.75%
36 Month CD 3.69% 3.75%
48 Month CD 2.72% 2.75%
60 Month CD 2.47% 2.50%
($100,000 and above) 
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. Jumbo CD Dividend Rates are currently the same as our Standard CD Dividend Rates. Learn more about our CDs here.

Term Dividend Rates4,5 APY*
6 Month CD 1.74% 1.75%
7 Month Promotional CD 3.93% 4.00%
12 Month CD 2.96% 3.00%
14 Month Promotional CD
 3.69% 3.75%
18 Month CD 3.69% 3.75%
24 Month CD 3.69% 3.75%
36 Month CD 3.69% 3.75%
48 Month CD 2.72% 2.75%
60 Month CD 2.47% 2.50%

Can’t decide between a short-term or long-term CD? No worries. Our "High Five" Certificate (CD) Ladder splits your deposit into four parts that mature every 5 months, so you earn great rates and keep some cash within reach.

Minimum $2,000 to open. Learn more about our CDs here.

Term Dividend Rates7 APY*
CD Ladder-5 Month  4.89% 5.00%
CD Ladder-10 Month  3.93% 4.00%
CD Ladder-15 Month 3.69% 3.75%
CD Ladder-20 Month 3.45% 3.51%

 

Learn more about the benefits of a CD Ladder Account

 
 
 

Savings Balance Requirements


Balance Requirements Minimum to Open Minimum to Earn Dividends
Savings $5 $100
Maximum Money Market $0 $0.01
Classic Money Market $2,000 $2,000
Certificate of Deposit $500 $500
Jumbo Certificate of Deposit $100,000 $100,000

Disclosures


* Annual Percentage Yield (APY) for Business Savings, Checking and Certificate Accounts is accurate as of August 1, 2025. Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit a penalty may be imposed for early withdrawal, and after you start the account, you may not make additional deposits. View complete list of deposit disclosures and Fee Schedule.

 

1 High-Yield Checking Dividend Rates: To receive the additional benefits for a particular monthly qualification cycle, at least ten (10) debit card transactions must have posted to the High Yield Checking Account. Rewards will be calculated and paid on the last day of each cycle. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle. Business may have multiple signers on the account. At our sole discretion, the number of High Yield Business Checking Accounts per business may be limited. High Yield Business Checking Accounts are Tiered Rate Accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance, are shown for each tier.


2 Maximum Money Market Dividend Rates: The Dividend Rate and Annual Percentage Yield for the lowest balance tier can change as determined by the Board of Directors. The Dividend Rate, Annual Percentage Yield, and Margin, for the other balance tiers will be adjusted at the sole discretion of the Credit Union on the first of the month following a change to the index, Wall Street Journal Prime (WSJP). The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. Rate tiers, with the exception of the first tier, will have a floor rate of no less than 0.50% Annual Percentage Rate. Maximum MMAs, Classic MMAs, and Savings accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account.   WSJP 7.50% - Current WSJP effective as of December 20, 2024. Variable dividend rate is adjusted on the first day of each month following a change in the index.

 

3 Classic Money Market Dividend Rates: The Fixed Dividend Rate and Annual Percentage Yield for the balance tier may change at any time without prior notice. Classic Money Market accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account.

 

4 Certificate of Deposit: Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes dividends remains on deposit until maturity. After you start the account, you may not make additional deposits to a Certificate Account. Fees may reduce earnings. On certificates of deposit, a penalty may be imposed for early withdrawal. Minimum opening balance is $500 on Regular CDs, $100,000 on Jumbo CDs. Minimum to earn APY is $500 on Regular CDs and $100,000 on Jumbo CDs. Additional terms and conditions apply. 

 

5 Promotional Rate CD:  No prior relationship requirement to apply for the Promotional Rate CD account. This offer is valid for a limited time only while quantities last. These Limited Time Promotional Rate CD's are not eligible for the CD Rate Boost Program. For the 7-Month Promotional Certificate, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 6-month or regular 6-month jumbo certificate, as applicable. For the 14-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 12-month or regular 12-month jumbo certificate, as applicable. Minimum opening balance is $500. 

 

6 To be eligible for the Maximum Money Market Promotional Rate, new money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening. “New Money” is defined as funds transferred from another financial institution via ACH, cash, or check. Checks or transfers from other Members Choice accounts do not qualify as “New Money.” At any time, we may waive the New Money requirement for the Promotional Maximum Money Market Account rate. If $50,000 New Money is not deposited within twelve (12) days of account opening, the standard rates and APYs for Maximum Money Market Account apply. APY will remain in effect for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current standard APY for the Maximum Money Market Account applicable tier. Promotion may end at any time. The Maximum Money Market is available to all of the following new and existing membership types – personal, business and fiduciary. At our sole discretion, the number of Maximum Money Market Accounts per member may be limited.
 
7 Certificate (CD) Ladder: Advertised rate is fixed for the initial terms of the Certificate of Deposit (CD) Ladder only. APY assumes dividends remain on deposit until maturity. After you start the account, you may not make additional deposits to a Certificate Account. Fees may reduce earnings. On certificates of deposit, a penalty may be imposed for early withdrawal. Total amount of CD Ladder deposit will be equally divided among four CDs at varying terms:  5-month CD, 10-month CD, 15-month CD, and 20-month CD. Each CD operates independently with its own maturity date and dividend rate. Each CD within the Ladder may be redeemed separately and may incur penalties for withdrawals made before maturity based on its individual term. No prior relationship requirement to apply for a CD Ladder. Members Choice may discontinue or modify the CD Ladder product at any time without notice. To receive APY, terms and conditions apply. Minimum opening balance is $2,000. Click for full details on fees, rates, and renewal. 

 

  

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.