Small Business Rates

Business Checking

	Dividend Rate	Annual Percentage Yield	Dividends Compounded	Dividends Credited
Business Checking	None	None	None	None
Biz Checking Plus	0.20 %	0.20 %	Monthly	Monthly

Effective 11-04-2026

Fee Schedule

Biz Checking Plus requires $5,000 opening deposit and must maintain a minimum balance of $5,000 to avoid a $15 fee.

Business Savings

	Dividend Rate	Annual Percentage Rate	Dividends Compounded	Dividends Credited	Dividend Period
Business Savings	0.25 %	0.25 %	Quarterly	Quarterly	Calendar Quarter

Effective 11-04-2026

Fee Schedule

Business Money Market

Account Balance	Dividend Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit	Minimum Balance to Earn Stated APY
$2,500 - $9,999	1.00 %	1.00 %	$2,500	$2,500
$10,000 - $24,999	1.14 %	1.15 %	$10,000	$10,000
$25,000 - $49,999	1.74 %	1.75 %	$25,000	$25,000
$50,000 - $99,999	2.23 %	2.25 %	$50,000	$50,000
$100,000 - $249,999	2.96 %	3.00 %	$100,000	$100,000
$250,000+	2.96 %	3.00 %	$250,000	$250,000

Effective 11-04-2026

Fee Schedule

Account transfer and withdrawal limitations apply. Dividends are compounded and credited monthly.

Business Vehicle Loan Rates

Details	Annual Percentage Rate
Fixed Rate up to 72 months	As low as 6.25 %

Effective 11-04-2026

Minimum loan amount $2,000. Maximum loan-to-value is based on the lesser purchase price or retail value:
- 80% for commercial vehicles
- 100% for business-use passenger cars, pick-up trucks, vans, SUVs not part of fleet vehicles
Estimated monthly payment of $17.53 per thousand borrowed at 8.00% Annual Percentage Rate (APR), based on a 72-month term. Loan rates displayed are Annual Percentage Rates (APR). All rates, terms, and conditions are subject to change without notice.

Business Small Equipment Loan

Details	Annual Percentage Rate
Fixed Rate up to 72 months	As low as 8.25 %

Effective 11-04-2026

Minimum loan amount is $2,000. Maximum loan-to-value is 80% purchase price or retail value, whichever is lower.

Business Overdraft Line of Credit

Details	Annual Percentage Rate
Fixed Rate	15.00 %

Effective 11-04-2026

Minimum loan amount is $1,000. Maximum loan amount is $15,000.

Business Line of Credit

Details	Annual Percentage Rate
Up to 36 months	As low as 9.00 %

Effective 11-04-2026

Maximum term is 36 months. Minimum 2 years in business. Minimum loan amount is $5,000. Maximum loan amount is $50,000.

Business Working Capital Loan

Details	Annual Percentage Rate
Fixed Rate up to 60 months	As low as 9.50 %

Effective 11-04-2026

Minimum loan amount is $1000. Maximum loan amount is $50,000.

Business Credit Card

Details	Annual Percentage Rate
Business Rewards Visa® Credit Card	As low as 13.00 %

Your rate is determined by your credit history at the time of application.

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