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Rates

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Business Essential, Business Edge & Business Elite Checking Accounts

Amount on Deposit Annual Percentage Yield (APY)
$0.00 and up 0.00%
Rates Effective February 1, 2023.

Business Savings Account

Business Savings Accounts require a $5 initial deposit and $5 minimum balance.

Account Type Minimum on Deposit to Earn Dividends Annual Percentage Yield (APY)
Business Savings $250.00 0.10%
Rates Effective February 1, 2023. Refer to the Business Member Account Agreement for the Truth in Savings Disclosure related to these accounts. Rates subject to change without notice. Minimum deposit required to earn dividends varies. Please speak to a member representative for more information. Fees may reduce earnings on accounts. Early withdrawal penalties may be imposed for certificate accounts.

Business Share Certificates

Term Minimum Balance Annual Percentage Yield (APY)
6-Month $500.00 2.25%
9-Month $1,000.00 0.50%
10-Month** $10,000.00 1.00%
11-Month $5,000.00 0.60%
12-Month $500.00 3.65%
13-Month $10,000.00 1.00%
14-Month $500.00 0.60%
15-Month $1,000.00 1.00%
18-Month $1,000.00 0.60%
19-Month $10,000.00 0.70%
21-Month $1,000.00 2.50%
24-Month $500.00 3.50%
36-Month $500.00 3.45%
48-Month $500.00 3.45%
60-Month $500.00 3.50%
Rates Effective October 24, 2025. **$10,000 is required to open this Share Certificate at this promotional rate, and minimum $10,000 must come from sources other than Member One Federal Credit Union. Refer to the Member One Business Truth in Savings Disclosure related to these accounts. Rates subject to change without notice. Minimum deposit required to earn dividends varies. Please speak to a member representative for more information. Fees may reduce earnings on accounts. Early withdrawal penalties may be imposed for certificate accounts.

Business Money Market Accounts

Dividend Earnings Tier Minimum Balance to Earn Dividends Annual Percentage Yield (APY)
Tier 1 $2,000.00 – $9,999.99 0.50%
Tier 2 $10,000.00 – $24,999.99 0.60%
Tier 3 $25,000.00 – $49,999.99 0.70%
Tier 4 $50,000.00 – $99,999.99 0.80%
Tier 5 $100,000.00 - $249,999.99 0.90%
Tier 6 $250,000.00 and up 1.00%
Rates Effective February 1, 2023. *There is not a minimum balance requirement to maintain a Money Market Account; however, to avoid the Minimum Balance Relationship Fee as listed on the Fee Schedule, the balance must not fall below $2,000 at any time during the calendar month. Fees may reduce earnings.