Business Account Rates

Basic Business Checking

Min. Balance to Open AccountMin. Balance to Maintain
$100$0

Analysis Checking

Min. Balance to Open AccountMin. Balance to MaintainEarnings Credit2
$500$0Varies based on 90-Day Rolling T-Bill

Business Money Market

Min. Balance to Earn DividendsDividend RateAPY1
$0-$2,499.99 0.03%0.03%
$2,500-$19,999.99 0.05%0.05%
$20,000-$49,999.99 0.05%0.05%
$50,000-$99,999.99 0.08%0.08%
$100,000-$249,999.99 0.08%0.08%
$250,000.00+ 0.08%0.08%

Business Savings Account

Min. Balance to Earn DividendsDividend RateAPY1
$50.000.03%0.03%

Signal Smart Business3

Min. Balance to Earn DividendsDividend RateAPY1
$0-$9,999.004.24%4.33%
$10,000-$24,999.994.24%4.33%
$25,000-49,999.994.24%4.33%
$50,000-$99,999.994.24%4.33%
$100,000-$999,999,999.994.24%4.33%

Business Share Certificates

Share Certificate: TermAmount to OpenDividend RateAPY4
3 Months **$5000.02%0.02%
6 Months$5005.10%5.23%
 10 Months Business Diamond Anniversary **$500*4.88%*5.00%*
12 Months$5004.35%4.44%
18 Months$5001.00%1.00%
24 Months$5003.95%4.02%
30 Months**$5000.25%0.25%
36 Months$5003.74%3.81%
48 Months$5003.95%4.02%
60 Months$5003.53%3.59%
72 Months$5000.40%0.40%

Rates effective as of March 28, 2024 

Signal Financial Commercial Fee Schedule 

1 APY = Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are compounded daily and credited every month. This schedule is incorporated as a part of your account agreement with your Credit Union. Rates are variable and subject to change after the account is open. Fees may reduce earnings. Membership required. 

2 Minimum balance requirements apply to average daily balance (amount of principal in account each day).

3 Signal Smart Business is a tiered savings account with no minimum account balance or transactions required. Signal Financial reserves the right to end or modify this offer at any time. Fees may reduce earnings from this account. Rates subject to change at any time without notice.

4  APY = Annual Percentage Yield. Rates as of October 13, 2023. Minimum balance of $500 required. Dividends are compounded daily and credited monthly. Penalties apply for early withdrawal. Fees could reduce the earning of this account account. Membership required.