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Business Savings Account

Ensure your business is prepared for the future with UMCU's Business Savings Account, offering flexible savings options, convenient digital tools, and interest-earning benefits to support your financial goals.

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Build Your Business Savings with Confidence

Business leaders know they should prepare for tomorrow, and with UMCU's Business Savings Account, it's easy to grow your reserve. Whether you want to spend funds to invest in your business or deal with unexpected emergencies, we make it easy to handle whatever life brings your way with convenient banking tools and monthly interest deposited to your account.

Open an Account 

  • No Monthly Maintenance Fee
  • First 6 Withdrawals Each Month are Free: $2 for each additional item*
  • No Charge for First 75 Deposits Each Month: $0.20 for each additional item
  • Upgrade to a Business Money Market Account: Earn tiered interest on deposited funds**
  • Easily Manage Funds 24/7: Access your account through the Online Banking portal or Mobile App

Business Savings Account Rates

Type Deposit Tier Interest Rate APY**
Business Savings Account N/A 0.05% 0.05%
Business Money Market Savings Account $2,000 - $4,999.99 0.45% 0.45%
$5,000 - $9,999.99 0.45% 0.45%
$10,000 - $24,999.99 0.75% 0.75%
$25,000+ 1.05% 1.06%
Deposit Tier Interest Rate APY**
N/A 0.05% 0.05%
Deposit Tier Interest Rate APY**
$2,000 - $4,999.99 0.45% 0.45%
$5,000 - $9,999.99 0.45% 0.45%
$10,000 - $24,999.99 0.75% 0.75%
$25,000+ 1.05% 1.06%
Business Savings Account requires $5.00 minimum balance be maintained to remain open.

Related Resources

Calculators

Access calculators to plan and manage your finances.

Blogs

Explore helpful articles, tips, and updates.

Webinars

Watch webinars to learn about finances, services, and more.

Events

Discover upcoming UMCU events.

Downloads

Find downloadable forms and account resources.
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We Also Recommend

Business Silver Checking Account

Business Silver Checking Account

  • Free Visa® Debit Cards
  • First 200 Deposits (Credits) Each Month are Free
  • No Charge for First 100 Checks (Debits) Each Month
  • Earn Interest on Funds Kept On-Hand
Business Gold Checking Account

Business Gold Checking Account

  • First 400 Deposits (Credits) Each Month are Free
  • No Charge for First 300 Checks (Debits) Each Month
  • Free Visa® Debit Cards
  • No Monthly Maintenance Fee if $2,000 Balance is Maintained
  • Earn Interest on Funds Kept On-Hand

Disclaimer

*Item counts are the total monthly aggregate of all items present to all your accounts under a single account number.
**APY = Annual Percentage Yield. Business Money Market Accounts are charged a $5 fee at month end if they had less than $200 at any time during that month.
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