Grow With Business Savings Accounts
From our business savings accounts to term-share certificates and money market accounts, we help you set money aside for the expected—and the unexpected. Whether you’re building reserves or saving for future growth, we’ll help you choose the right option. Call or email our business team to open your account.
Business Savings
Whether you’re planning for new equipment or setting aside funds for unexpected bills, our Business Share Savings and You-Name-It Savings accounts offer a flexible, cost-effective way to build reserves for your business.
- Earn dividends on balances of $100 or more.
- Easy access to funds when you need them.
- Automate saving with direct deposit, transfers or Sweeps.
Business Money Market Accounts
In the world of business, cash is king, and having liquidity allows you to pivot from urgent needs to new opportunities. Our Investor's Choice and High-Yield Savings accounts offer flexible access to your funds while offering higher returns.
- You'll earn higher dividend rates than standard savings.
- Tiered rates allow you to earn more as your balance grows.
- You can withdraw funds online or in person when needed*.
Business Certificates
Invest in the financial future of your business with a guaranteed return on your investment. Whether you choose our special or regular certificates, you’ll give your business a financial boost when you commit to saving for a set period.
- You'll benefit from fixed rates for predictable earnings over time.
- Choose from terms ranging from a few months to several years.
- Your certificate automatically renews at maturity; early withdrawals incur a penalty.
Business Savings Rates
Higher rates. Guaranteed earnings.
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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.
*Minimum withdrawal $250. No penalties for withdrawals made in-branch. You can’t write checks from these accounts.
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.
*Minimum withdrawal $250. No penalties for withdrawals made in-branch. You can’t write checks from these accounts. -
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.
SMARTER SAVINGS
Why Save with Dupaco?
Keep your capital working for you.
- Earn on idle cash: Put your excess liquidity to work with rates that help your balances grow.
- Prepare for anything: Stay ready for sudden repairs, seasonal lulls or a "too-good-to-pass-up" opportunity.
- Access funds instantly: Move money through digital banking, local branches or fee-free ATMs.
- Automate your growth: Set up direct deposits, transfers or Sweeps to build your reserves without the manual effort.
SWEEPS
Automate your savings and boost your earnings
With Sweeps, you can pay down your line of credit faster in order to save on interest! Sweeps make saving effortless. Choose how much you want to keep in checking, and excess funds are automatically moved to savings each day. If your checking balance runs low, funds sweep back to help cover expenses.
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Automate saving without manual transfers
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Improve cash flow management
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Optional overdraft protection support
There is a $10 monthly fee for this service.
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Frequently Asked Questions
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What types of business savings accounts does Dupaco offer?
We offer Business Savings accounts, Business Money Market accounts and Business Certificates. Each option is designed for different savings goals, timelines and access needs.
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What’s the difference between a business savings account and a money market account?
A business savings account is ideal for building reserves with easy access to funds. A money market account typically offers higher dividend rates and tiered earnings, while still allowing you to access your money when needed.
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What is a business certificate?
A business certificate lets you earn a guaranteed return by committing your funds for a set period of time. Rates are fixed for the term, and there’s a penalty for early withdrawal.
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How can I automate saving for my business?
You can automate your savings by setting up recurring transfers, using direct deposit or enrolling in Sweeps. Automation helps you save consistently without needing to move money manually.
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What is Sweeps and how does it work?
Sweeps automatically move excess funds from your business checking account into your savings account at the end of each day. If your checking balance drops below your chosen level, funds are swept back from savings to help cover expenses.
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Is there a fee for Sweeps?
Yes. Sweeps has a $10 monthly service fee.
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Can I access my money when I need it?
Yes. You can access your funds through Shine Online and Mobile Banking or in person at a Dupaco branch. Some accounts may have minimum withdrawal amounts or limitations, which we’ll review with you.
We’re here to help. Call 800-373-7600, ext. 234, email us or share your info and a business expert will reach out -
How much do I need to open a business savings account?
Minimum opening balances vary by account type. Your business expert can help you choose the option that fits your needs and available funds.
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Are my business savings federally insured?
Yes. Business savings and money market accounts are federally insured up to applicable limits by the National Credit Union Administration (NCUA).
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Who can help me decide which option is best for my business?
We’re here to help. Call 800-373-7600, ext. 234, email us or share your info and a business expert will reach out.