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BUSINESS & COMMERCIAL BANKING
Business
Deposit Accounts
Business savings and more.
New members, visit one of our convenient branches to open an account.
Go further with our business savings and deposit accounts.
Whatever your size, we can help you find the right mix of banking services to fit your needs—all with the personalized service and attention of a member-owned credit union. As business owners, your focus should be on running your business and making it as successful as possible. That's why we offer you a wide variety of savings programs—from basic Business Savings, to Money Market Accounts and Certificates of Deposit.
Business Deposit Accounts
Smart Business Membership Savings
A Smart Business Membership Share (Savings) Account establishes your business’s membership at Smart Financial Credit Union.
Online Banking access with file export capability to QuickBooks
Interest Bearing
SmartLine Access
Optional Overdraft Protection
Smart Business Money Market Accounts
A Smart Financial Business Money Market account offers a higher dividend rate for members who keep a higher balance in their accounts, while maintaining access to funds.
Earn a higher rate than traditional savings
SmartLine Access
Online Banking access with file export capability to QuickBooks
Smart Business Certificates of Deposit
Make your money work as hard as it can for your business. We give you the flexibility of short and long term investments - 6-, 12-, 24- and 60-month terms, as well as Mini-Jumbo and Jumbo CDs.
A selection of short and long term savings and retirement goals at a fixed rate of return
Higher balances may earn higher interest rates
Business Checking Accounts
Smart Financial Checking options and features are designed to work for your business. With several Business Checking Accounts and packages to choose from, we have an option that works just the way your business needs it to.
View Business CheckingBusiness Savings Accounts
Effective Date:
| Account | Minimum to Open | Dividend Rate | Interest Rate | APY | Minimum to obtain disclosed APY |
|---|---|---|---|---|---|
| Business Share (Savings) | $5 | .20% | N/A | 0.20 | $100 |
Business Money Market Accounts
Effective Date:
| Account | Minimum to Open | Minimum Balance | Interest Rate | APY |
|---|---|---|---|---|
| Business Money Market | $5,000 | $5,000 - 24,999.99 | 0.399% | 0.40% |
| $25,000 - 49,999.99 | 0.747% | 0.75% | ||
| $50,000+ | 1.490% | 1.50% |
Business CD Rates
Effective Date:
| Account | Term | Minimum to Open | Interest Rate | APY | Minimum to obtain disclosed APY |
|---|---|---|---|---|---|
| Business Certificates of Deposit | 6 Months Tier | $1,000 | 2.472% | 2.50% | $1,000 |
| 12 Months Tier | 3.928% | 4.00% | |||
| 24 Months Tier | 3.445% | 3.50% | |||
| 60 Months Tier | 2.960% | 3.00% | |||
| 6 Months Tier Mini Jumbo | $50,000 | 2.521% | 2.55% | $50,000 | |
| 12 Months Tier Mini Jumbo | 3.977% | 4.05% | |||
| 24 Months Tier Mini Jumbo | 3.494% | 3.55% | |||
| 60 Months Tier Mini Jumbo | 3.008% | 3.05% | |||
| 6 Months Tier Jumbo | $100,000 | 2.570% | 2.60% | $100,000 | |
| 12 Months Tier Jumbo | 4.025% | 4.10% | |||
| 24 Months Tier Jumbo | 3.542% | 3.60% | |||
| 60 Months Tier Jumbo | 3.057% | 3.10% |
APY=ANNUAL PERCENTAGE YIELD. RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. EARLY WITHDRAWAL PENALTIES - YOUR ACCOUNT WILL MATURE AFTER THE APPLICABLE TERM OF YOUR CERTIFICATE OF DEPOSIT SET FORTH ABOVE. WE WILL IMPOSE A PENALTY IF YOU WITHDRAW ANY OF THE FUNDS IN YOUR CERTIFICATE OF DEPOSIT WITHIN THE FIRST SIX DAYS AFTER YOUR ACCOUNT IS OPENED. THE PENALTY WILL EQUAL SEVEN DAY'S INTEREST ON YOUR ACCOUNT. IF YOU MAKE PARTIAL WITHDRAWALS OF PRINCIPAL PRIOR TO THE MATURITY DATE, PENALTIES WILL BE IMPOSED ON THE AMOUNT OF THE WITHDRAWAL. WE WILL IMPOSE A PENALTY IF YOU REDEEM YOUR CERTIFICATE PRIOR TO THE MATURITY DATE. APPLICABLE TO ALL SMART FINANCIAL PRODUCTS: IF YOU'RE A NEW MEMBER, YOU WILL PAY A ONE-TIME $5 ENTRANCE FEE IN ADDITION TO THE MINIMUM OPENING DEPOSIT REQUIRED BY THE ACCOUNT.
Ask an expert
Have questions about our business deposit accounts? Our friendly team is ready to help. Learn about your account options, and get personalized estimates for your business.
Call us! If you would like to speak to a Business Account Specialist, call us at 713-850-1600.