Business Rates

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Type: Business Checking Accounts

Accounts: Simple Checking, Business Checking, Nonprofit Checking, Analysis Checking

Our business checking accounts do not pay dividends.

Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

For more information, please call (540) 389-0244.

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Type: Money Markets

Required Minimum Opening Deposit is $1000.

Tier Tier Minimum ADB Tier Maximum ADB Dividend Rate APY
1 $1,000 $4,999.99 0.10% 0.10%
2 $5,000 $24,999.99 0.15% 0.15%
3 $25,000 $49,999.99 0.25% 0.25%
4 $50,000 $99,999.99 0.55% 0.55%
5 $100,000+ - 0.85% 0.85%

Terms: Rates valid as of January 1, 2017. All Dividends on this Schedule are Posted and Compounded Monthly. Annual Percentage Yield (APY) is variable and subject to change without prior notice. Dividends on these accounts are calculated by using the account Average Daily Balance (ADB) and the Tier A dividend method. The ADB is computed by adding the balance in the account for each day in the month and dividing that figure by the number of days in the month. The dividend Tier A method means that the dividend rate used will be based on the account ADB and the dividend rate for that ADB. The "Dividend Rate" for that tier will be used to pay the dividend on the entire ADB. For example, if the account ADB is $5,600 for the month, the entire $5,600 will be paid a dividend at the Tier 2 rate. No dividend will be paid if the account ADB is below $1000 for the month. There is a $10 per month fee for accounts with ADB below $5,000. If the account is closed before dividends are credited, any accrued dividend will not be credited. A one-time $5 deposit is required by Credit Union Bylaws for membership. If the account is closed, the $5 will be returned. Fees may reduce earnings.

Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

For more information, please call (540) 389-0244.

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Type: Share Certificates

Annual Percentage Yield (APY) is effective as of January 1, 2017 and is based on the dollar amount and the term invested. Substantial penalty for early withdrawal. Members are limited to $1,000,000 in Share Certificate balances, without prior approval. Rates are subject to change without notice.

12 Month

Amount Minimum Amount Maximum Dividend Rate APY
$500 $2,499 0.40% 0.40%
$2,500 $9,999 0.40% 0.40%
$10,000 Above 0.40% 0.40%

24 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 0.50% 0.50%
$2,500 $9,999 0.50% 0.50%
$10,000 Above 0.50% 0.50%

36 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 0.80% 0.80%
$2,500 $9,999 0.80% 0.80%
$10,000 Above 0.80% 0.80%

48 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 0.85% 0.85%
$2,500 $9,999 0.85% 0.85%
$10,000 Above 0.85% 0.85%

60 Month

Account Minimum Account Maximum Dividend Rate APY
$500 $2,499 1.00% 1.00%
$2,500 $9,999 1.00% 1.00%
$10,000 Above 1.00% 1.00%

Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

All dividends on this schedule are posted and compounded monthly. Rates are subject to change without notice. Call (540) 389-0244 if you have questions.

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Type: VISA Rewards-Business

APR* for Purchases APR for Balance Transfers APR for Cash Advances
9.49 - 18.00% 9.49 - 18.00% 12.74 - 18.00%

*APR is annual percentage rate. Your APR will vary with the market based on the Prime Rate.

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Type: VISA Rate-Business

APR* for Purchases APR for Balance Transfers APR for Cash Advances
9.49 - 18.00% 9.49 - 18.00% 12.74 - 18.00%

*APR is annual percentage rate. Your APR will vary with the market based on the Prime Rate.