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Business Services Rates

Rates effective December 4, 2019. Rates are subject to change without notice. All loan rates are based on approved credit.

Savings Rates

Business Savings

Balance DIVIDEND RATE APY*
Savings  $0.00 - $2,499.99 balance 0.20% 0.20%
Savings  $2,500.00 - $24,999.99 0.20% 0.20%
Savings  $25,000.00 - $49,999.99 0.20% 0.20%
Savings  $50,000.00 and over 0.25% 0.25%

 

*APY=Annual Percentage Yield. APY is accurate as of the date indicated above and may vary after the account is opened. A $5.00 minimum opening deposit is required for Share Savings. Fees may reduce account earnings. Dividend rates are variable and may change without notice.


Business Money Market

Balance DIVIDEND RATE APY*
Savings 0-$4,999.99 0.00% 0.00%
Savings $5,000 - $49,999.99 0.25% 0.25%
Savings $50,000 - $99,999.99 0.25% 0.25%
Savings $100,000 - $249,999.99 0.45% 0.45%
Savings $250,000+ 0.55% 0.55%


*APY=Annual Percentage Yield. APY is accurate as of the date indicated above and may vary after the account is opened. $5,000 daily balance required to avoid service fee. Fees may reduce account earnings. Dividend rates are variable and may change without notice.


Business Share Certificate

Term DIVIDEND RATE APY*
Certificate 12 months 1.15% 1.16%
Certificate 2 year 1.15% 1.16%
Certificate 3 year 1.15% 1.16%
Certificate 4 year 1.15% 1.16%
Certificate 5 year 1.15% 1.16%


*APY=Annual percentage yield. APY assumes dividends remain in account to maturity. Minimum $1,000 opening balance required. Early withdrawal penalties may apply. Dividend rates are variable and may change without notice.


Loan Rates

Quick Approval Business Visa® Credit Card

For loans up to $20,000

Loan Type APR*
Visa Credit Card Prime Rate + 5.50%  (7.90% rate floor)


*APR=Annual Percentage Rate. APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. The APR will not go below 7.90%. $5,000 minimum. $20,000 maximum. Credit approval based on creditworthiness. Other eligibility qualifications required for loan approval. Restrictions may apply.


Basic Business Visa® Credit Card

For loans up to $75,000

Loan Type APR*
Visa Credit Card Prime Rate + 5.50%  (7.90% rate floor)


*APR=Annual Percentage Rate. APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. The APR will not go below 7.90%. $5,000 minimum. $75,000 maximum. Credit approval based on creditworthiness.


Basic Business Line of Credit

For credit lines up to $75,000

Loan Type APR*
Secured and Unsecured Prime Rate + 3.00%  (6.00% rate floor)


*APR=Annual Percentage Rate. APR will vary based on the Prime Rate. Prime Rate may change at any time and is subject to change without notice. The APR will not go below 6.00%.


Basic Business Term Loan

For loans up to $75,000

Loan Type APR* Max Term
Secured and Unsecured 9.99% 36 Months


*APR=Annual Percentage Rate. Fixed rate.

For details on loans over $75,000, please call 805.623.1065.

 

Quick Approval Business Vehicle Loan Rates

For loans up to $50,000

New & Used Vehicles - 2013 and Newer

Term APR*
Up to 60 month 4.89% - 8.24%**
61-72 month 5.40% - 8.59%**

 

Used Vehicles - 2012 and Older

Term APR*
Up to 60 month 6.89% - 10.24%


**APR=Annual Percentage Rate. Rates are subject to applicant qualification. Your APR is based on your credit worthiness and specific vehicle qualification. Loans subject to credit approval. Financing available up to 95% of MSRP or Retail Kelley Blue Book. Other eligibility qualifications required for loan approval. Restrictions may apply.

**APR is 2% higher for vehicles with mileage of 100,000 or more.


Basic Business Vehicle Loan Rates

For loans up to $75,000

New & Used Vehicles - 2013 and Newer

Term APR*
Up to 60 month 4.89% - 8.24%**
61-72 month 5.40% - 8.59%**

Used Vehicles - 2012 and Older

Term APR*
Up to 60 month 6.89% - 10.24%


**APR=Annual Percentage Rate. Rates are subject to applicant qualification. Your APR is based on your credit worthiness and specific vehicle qualification. Loans subject to credit approval. Financing available up to 95.00% of MSRP or Retail Kelley Blue Book.

**APR is 2.00% higher for vehicles with mileage of 100,000 or more.