Business Savings
Set money aside to propel your business forward.
Business savings that support what’s next.
Whether you’re planning ahead or preparing for the unexpected, we’ll help you build it over time.
Build your safety net
Set aside funds for slower seasons, surprise expenses, or future investments.
Earn while you hold
Keep your reserves working for you instead of sitting still.
Flexible access to your funds
Save consistently while still being able to tap into your money when needed.
Business Savings
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Best for…
Best for…
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Minimum deposit to open
Minimum deposit to open
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Monthly fee
Monthly fee
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Earns dividends/interest
Earns dividends/interest
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Overdraft protection
Overdraft protection
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Membership Savings Account
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Best for…
Your initial deposit with First U.S.. is to a Membership Share Account.
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Minimum deposit to open
$5
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Monthly fee
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Earns dividends/interest
($100 minimum balance to earn dividends)
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Overdraft protection
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Business Money Market Savings
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Best for…
Grow your savings without locking up your funds.
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Minimum deposit to open
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Monthly fee
$7 (waived if balance is above $2,000)
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Earns dividends/interest
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Overdraft protection
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Business Certificates
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Best for…
Maximize the dividends earned for your business with the security of fixed-rate returns.
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Minimum deposit to open
$500
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Monthly fee
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Earns dividends/interest
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Overdraft protection
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Business savings rates.
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Balance |
APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|---|
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*See Business Pricing Schedule for more information. |
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Balance $100-$4,999 |
APY* 0.05% |
Rate 0.05% |
Minimum Balance to Open $5 |
Minimum Balance to Earn Dividends $100 |
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Balance $5,000-$24,999 |
APY* 0.10% |
Rate 0.10% |
Minimum Balance to Open $5 |
Minimum Balance to Earn Dividends $5,000 |
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Balance $25,000-$99,999 |
APY* 0.10% |
Rate 0.10% |
Minimum Balance to Open $5 |
Minimum Balance to Earn Dividends $25,000 |
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Balance $100,000+ |
APY* 0.10% |
Rate 0.10% |
Minimum Balance to Open $5 |
Minimum Balance to Earn Dividends $100,000 |
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Balance |
APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|---|
|
*See Business Pricing Schedule for more information. |
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Balance $2,500-$9,999 |
APY* 0.45% |
Rate 0.449% |
Minimum Balance to Open $2,500 |
Minimum Balance to Earn Dividends $2,500 |
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Balance $10,000-$24,999 |
APY* 0.50% |
Rate 0.499% |
Minimum Balance to Open $2,500 |
Minimum Balance to Earn Dividends $10,000 |
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Balance $25,000+ |
APY* 0.55% |
Rate 0.549% |
Minimum Balance to Open $2,500 |
Minimum Balance to Earn Dividends $25,000 |
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Term |
Minimum Balance |
APY* |
Rate |
|---|---|---|---|
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*Annual Percentage Yield (APYs), terms, offers effective November 12, 2026 and subject to change. Withdrawals will reduce earnings. Certificates: Penalty for early withdrawal. Certificate Special: Certain restrictions apply. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates. |
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Term 3, 6, 9 or 12 months |
Minimum Balance $500 |
APY* 4.00% |
Rate 3.928% |
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Share Certificates |
$500 Minimum Balance |
$10,000 Minimum Balance |
$50,000 Minimum Balance |
$100,000 Minimum Balance |
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|---|---|---|---|---|---|---|---|---|
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*Annual Percentage Yield (APYs), terms, offers effective November 12, 2026 and subject to change. Rate = Dividend Rate. |
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Share Certificates Term |
$500 Minimum Balance APY* |
Rate |
$10,000 Minimum Balance APY |
Rate |
$50,000 Minimum Balance APY |
Rate |
$100,000 Minimum Balance APY |
Rate |
|
Share Certificates 3 months |
$500 Minimum Balance 2.90% |
2.862% |
$10,000 Minimum Balance 2.90% |
2.862% |
$50,000 Minimum Balance 2.90% |
2.862% |
$100,000 Minimum Balance 2.90% |
2.862% |
|
Share Certificates 6 months |
$500 Minimum Balance 2.95% |
2.911% |
$10,000 Minimum Balance 3.00% |
2.960% |
$50,000 Minimum Balance 3.00% |
2.960% |
$100,000 Minimum Balance 3.00% |
2.960% |
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Share Certificates 9 months |
$500 Minimum Balance 3.05% |
3.008% |
$10,000 Minimum Balance 3.10% |
3.057% |
$50,000 Minimum Balance 3.10% |
3.057% |
$100,000 Minimum Balance 3.10% |
3.057% |
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Share Certificates 12 months |
$500 Minimum Balance 3.10% |
3.057% |
$10,000 Minimum Balance 3.15% |
3.105% |
$50,000 Minimum Balance 3.15% |
3.105% |
$100,000 Minimum Balance 3.20% |
3.154% |
|
Share Certificates 18 months |
$500 Minimum Balance 3.10% |
3.057% |
$10,000 Minimum Balance 3.15% |
3.105% |
$50,000 Minimum Balance 3.15% |
3.105% |
$100,000 Minimum Balance 3.20% |
3.154% |
|
Share Certificates 24 months |
$500 Minimum Balance 3.15% |
3.105% |
$10,000 Minimum Balance 3.25% |
3.203% |
$50,000 Minimum Balance 3.25% |
3.203% |
$100,000 Minimum Balance 3.30% |
3.251% |
|
Share Certificates 36 months |
$500 Minimum Balance 3.30% |
3.251% |
$10,000 Minimum Balance 3.30% |
3.251% |
$50,000 Minimum Balance 3.30% |
3.251% |
$100,000 Minimum Balance 3.40% |
3.348% |
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Share Certificates 48 months |
$500 Minimum Balance 3.35% |
3.300% |
$10,000 Minimum Balance 3.40% |
3.348% |
$50,000 Minimum Balance 3.40% |
3.348% |
$100,000 Minimum Balance 3.50% |
3.445% |
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Share Certificates 60 months |
$500 Minimum Balance 3.50% |
3.445% |
$10,000 Minimum Balance 3.55% |
3.497% |
$50,000 Minimum Balance 3.55% |
3.497% |
$100,000 Minimum Balance 3.60% |
3.545% |
Calculate how much you can save
Open your business savings accounts
Whether you’re starting a new business or managing an established one, we’re here to help. Call us at (800) 556-6768, or or schedule an appointment to get started.
Disclosures
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*Accounts at First U.S. are federally insured up to $250,000 by the NCUA. IRAs are insured separately.