Business Rates
Select an option below:
- Deposits
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Business Savings Account Rates
Share Savings Account
Account Type Balance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn Share Savings $25,000+ 0.20% 0.20% $25.00 $25,000 Share Savings $10,000 - $24,999.99 0.20% 0.15% $25.00 $10,000 Share Savings $2,500 - $9,999.99 0.10% 0.10% $25.00 $2,500 Share Savings $100 - $2,499.99 0.10% 0.10% $25.00 $100 Share Savings $0.00 - $99.99 0.00% 0.00% $25.00 $0.01 Rates are effective as of 01/06/2026 and are subject to change without notice.
1Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.You Name It Savings AccountAccount Type Balance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn You Name It Savings $25,000+ 0.20% 0.20% $0.00 $25,000 You Name It Savings $10,000 - $24,999.99 0.15% 0.15% $0.00 $10,000 You Name It Savings $2,500 - $9,999.99 0.10% 0.10% $0.00 $2,500 You Name It Savings $100 - $2,499.99 0.10% 0.10% $0.00 $100 You Name It Savings $0.00 - $99.99 0.00% 0.00% $0.00 $0.01 Rates are effective as of 01/06/2026 and are subject to change without notice.
1Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.
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Business Money Market Account Rates
Investor’s Choice
Balance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn $100,000+ 0.40% 0.40% $2,500 $100,000 $25,000 - $99,999.99 0.35% 0.35% $2,500 $25,000 $10,000 - $24,999.99 0.30% 0.30% $2,500 $10,000 $2,500 - $9,999.99 0.25% 0.25% $2,500 $2,500 $0.01 - $2,499.99 0.20% 0.20% $2,500 $0.01 Rates are effective as of 01/06/2026 and are subject to change without notice.
1Money Market Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. Available to individual and small business member accounts only. Not available to investment companies and financial institutions. Maximum deposit limits may apply.
High-Yield SavingsBalance Tier Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn $1,000,000+ 2.42% 2.45% $50,000 $1,000,000+ $500,000 - $999,999.99 2.23% 2.25% $50,000 $500,000 $250,000 - $499,999.99 2.03% 2.05% $50,000 $250,000 $100,000 - $249,999.99 1.83% 1.85% $50,000 $100,000 $0.01 - $99,999.99 1.49% 1.50% $50,000 $0.01 Rates are effective as of 07/01/2025 and are subject to change without notice.
1High-Yield Savings: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. $50,000 minimum balance to open and maintain the account. Rates may vary after account is opened. Minimum daily balance to earn must be maintained each day to obtain the disclosed APY. Dividends are calculated daily and credited and compounded monthly. Programs, rates, terms, and conditions are subject to change without notice. Fees may reduce earnings on account. Available to individuals, trusts, estates and small businesses. Not available to investment companies and financial institutions. Maximum deposits limits may apply.
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Business Term-Share Certificate Rates
Special
Term Dividend Rate Annual Percentage Yield (APY) Min. to Earn 10 Month Fixed Jumbo Certificate Special 3.86% 3.90%1 $100,000 10 Month Fixed Certificate Special 3.76% 3.80%2 $1,000 25 Month Fixed Jumbo Certificate Special 3.67% 3.70%1 $100,000 25 Month Fixed Certificate Special 3.57% 3.60%2 $1,000 Rates are effective as of 03/03/2026 and are subject to change without notice.
1Fixed Jumbo Term Certificate Special Rate: Minimum amount required to open any Special Jumbo Term Share Certificate is $100,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
2Fixed Certificate Special Rate: Minimum amount required to open any Special Term Share Certificate is $1,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
RegularTerm Dividend Rate Annual Percentage Yield (APY)1 Min. to Earn 60 Month 1.79% 1.80% $1,000 48 Month 1.89% 1.90% $1,000 36 Month 2.09% 2.10% $1,000 30 Month 2.29% 2.30% $1,000 24 Month 2.48% 2.50% $1,000 18 Month 2.68% 2.70% $1,000 12 Month 2.88% 2.90% $1,000 6 Month 3.37% 3.40% $1,000 Rates are effective as of 03/03/2026 and are subject to change without notice.
1Term Share Certificate Rates: Minimum amount required to open any Term Share Certificate is $1,000. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
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Checking Account Rates
Business 1st Rate Checking Account
Ready to put your business’ cash to work? Earn up to 3.00% APY* on your balance and keep your business growing—effortlessly. Designed for seasoned entrepreneurs and growing businesses, this account is ideal if you carry a larger balance and prefer fewer extras. It includes:
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No initial deposit requirements
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Up to 3.00% APY* on your balance to keep your funds working for you
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Ability to skip a $10 monthly fee by keeping your monthly balance above $5,000
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Access to Sweeps to automate saving for your business
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Free MoneyCard/Debit MasterCard with EMV chip and contactless payment technology
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Debit card fraud monitoring
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Fee-free withdrawals within the Privileged Status and CO-OP ATM Networks1
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Free Shine Online and Mobile Banking to monitor your cash flow, pay bills and more
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Customizable Shine Business Shared Access accounts for employees or accountants
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Customizable alerts by email or text on account activity, balances and more
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Mobile deposit and other business services
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Direct Connect to Quickbooks
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Low-cost check options
Balance
Dividend Rate Annual Percentage Yield (APY)1 Min. to Open Min. to Earn $100,000+ 0.10% 0.10% None $100,000 $100,000+ 0.10% 0.10% None $25,000 $5,000 - $24,999.99 2.96% 3.00% None $5,000 $0.01 - $4,999.99 0.00% 0.00% None $0.01 Rates are effective as of 07/01/2025 and are subject to change without notice.
1APY= Annual Percentage Yield. Rates are variable and may change after opening the account. APY is accurate as of the last dividend declaration date. Fees could reduce account earnings.1Unlimited ATM access at all Dupaco-owned ATMs. If you access other ATM’s you will not incur a surcharge from Dupaco unless you use your card more than eight times per month.
Business Free Checking AccountThis simple and cost-effective account is designed for start-ups, small businesses or side hustles with lower balances and fewer transactions. Business Free Checking gives you digital tools and support you can count on for a seamless banking experience. It includes:
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No minimum balance requirement
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No monthly transaction, servicing or maintenance fees
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Access to Sweeps to automate saving for your business
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Free MoneyCard/Debit MasterCard with EMV chip and contactless payment technology
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Debit card fraud monitoring
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Fee-free withdrawals within the Privileged Status and CO-OP ATM Networks1
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Free Shine Online and Mobile Banking to monitor your cash flow, pay bills and more
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Customizable Shine Business Shared Access accounts for employees or accountants
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Customizable alerts by email or text on account activity, balances and more
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Mobile deposit and other business services
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Direct Connect to Quickbooks
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Low-cost check options
1Unlimited ATM access at all Dupaco-owned ATMs. If you access other ATM’s you will not incur a surcharge from Dupaco unless you use your card more than eight times per month.
Business Analysis CheckingThis account is designed for seasoned businesses that carry a larger balance and handle a lot of transactions. You’ll get access to personalized guidance to navigate your unique business needs. Since these accounts require additional resources, they’re subject to minimal fees1. It includes:
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Ability to offset or minimize monthly fees by maintaining certain deposit balances1
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Access to personalized guidance to navigate your unique business needs
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Access to Sweeps to automate saving for your business
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Free MoneyCard/Debit MasterCard with EMV chip and contactless payment technology
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Debit card fraud monitoring
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Fee-free withdrawals within the Privileged Status and CO-OP ATM Networks1
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Free Shine Online and Mobile Banking to monitor your cash flow, pay bills and more
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Customizable Shine Business Shared Access accounts for employees or accountants
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Customizable alerts by email or text on account activity, balances and more
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Mobile deposit and other business services
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Direct Connect to Quickbooks
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Low-cost check options
1Before you open a Business Analysis Checking account, we’ll help you calculate the expenses associated with it to help you determine whether it’s the right account option for your business.
2Unlimited ATM access at all Dupaco-owned ATMs. If you access other ATMs you will not incur a surcharge from Dupaco unless you use your card more than eight times per month. -