Earn higher returns on business savings without withdrawal penalties
With a higher dividend rate, your savings holding your business funds can grow more while still allowing you to have the freedom to withdraw funds when needed.
Earn Dividends
When compared to standard checking accounts, a Business Money Management account allows your savings to earn higher dividends.
No Withdrawal Penalties
Have the freedom to access your savings in a time of need for your business.
Rates
View ratesEstimate your monthly payment
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Final Balance
Contributions: | Earnings:Maintain a minimum balance and watch your savings grow
With just a $2,500 minimum average daily balance you can start earning dividends on your balance.
Retain financial flexibility
Unlike some other high-interest savings accounts, you can make withdrawals at any time without the risk of fees. Now you can access your funds when your business needs them without extra worry or hassle.
I just wanted to drop you a note commending the phone service I received today from Business Services. I had a number of questions ... and Lisa was extremely clear and helpful...
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1
Complete an application
Fill out an application with a Business Services Specialist or at your local branch.
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2
Make initial deposit
Make an initial deposit, and any balance of $2,500 and above will start earning dividends.
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3
Grow your savings
Watch your savings grow, deposit and withdraw funds as you need them.
Have a question? Get in touch with us
Get your business savings to work for you by earning dividends
Utilize your business savings to increase your earnings potential with a higher dividend rate. Withdraw funds anytime without worry, ensuring you have the financial freedom that suits your business.
SFCU cannot open accounts for local governments or businesses/organizations that deposit public and/or municipal funds.
Business Account Rates
| Type of Account | Minimum Balance to Open | Average Daily Balance Required to Obtain Annual Percentage Yield (APY) | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Savings |
$5 |
$118 |
0.05% |
0.05% |
|
Business Non-Dividend Escrow Account |
N/A |
N/A |
0.00% |
0.00% |
|
Money Management |
$2,500 |
$2,500 |
0.07% |
0.07% |
|
Money Management |
$5,000 |
0.10% |
0.10% |
|
|
Money Management |
$10,000 |
0.15% |
0.15% |
|
|
Money Management |
$150,000 |
1.98% |
2.00% |
|
|
Community Checking (Not For Profit/Organization) |
N/A |
N/A |
0.00% |
0.00% |
|
Business Basic Checking |
N/A |
N/A |
0.00% |
0.00% |
|
Business Dividend Checking |
$5,000 |
$5,000 |
0.25% |
0.25% |
Rates effective as of: April 30, 2025
APR= Annual Percentage Rate. Dividends are calculated by the average daily balance (ADB) method.
APY = Annual Percentage Yield.
Business Dividend Checking has a $5.00 monthly fee if the average daily balance falls below $5000.
Basic Business Checking & Business Dividend Checking allow for unlimited account transactions with no fees
Community Checking Account is for Not-for-Profit Corporations, Organizations, and Associations. There are no minimum or average daily balance requirements associated with this product.
All rates are subject to change at any time. Membership Par Value: to establish a new membership at SFCU a minimum of $5.00 (par value) is required to be deposited and maintained in your primary savings.
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