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Alert:

Please watch out for fraudulent email scams utilizing the SBA name and logo concerning the CARES Act financing programs. These emails may ask you to click on a link for an application or ask for personal identifiable information.  Do not click the link or respond in any way.  As a Preferred Lender for the SBA, InsurBanc can provide you with the information you need to apply for an SBA loan.   Please click here for more information and how we can help you.

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Summary of Interest Rates/Deposit Products

Rates Effective

Interest rates are subject to change without notice Fees may reduce earnings.

Business Checking Accounts

Type of Account Minimum Opening Deposit Required Minimum Balance to Obtain Annual Percentage Yield Annual Percentage Yield Interest Rate
Easy Business Checking $100.00 N/A N/A N/A
Business Checking $100.00 N/A N/A N/A
Business NOW Checking $100.00 $1,500.00 0.05% 0.04%
Premium NOW Tier 1 $25,000.00 $25,000.00 - $49,999.99 0.05% 0.04%
Premium NOW Tier 2 $25,000.00 $50,000.00 - $149,999.99 0.10% 0.09%
Premium NOW Tier 3 $25,000.00 $150,000.00 and over 0.15% 0.14%

Business Money Market Account

Type of Account Minimum Opening Deposit Required Minimum Balance to Obtain Annual Percentage Yield Annual Percentage Yield Interest Rate
Money Market Tier 1 $2,500.00 $2,500.00 - $24,999.99 0.05% 0.04%
Money Market Tier 2 $2,500.00 $25,000.00 - $49,999.99 0.10% 0.09%
Money Market Tier 3 $2,500.00 $50,000.00 - $249,999.99 0.15% 0.14%
Money Market Tier 4 $2,500.00 $250,000.00 and over 0.20% 0.19%

Direct Investment Money Market Account

Type of Account Minimum Opening Deposit Required Minimum Balance to Obtain Annual Percentage Yield Annual Percentage Yield Interest Rate
DIMMA Tier 1 $50,000.00 -$49,999.99 0.10% 0.09%
DIMMA Tier 2 $50,000.00 $50,000.00 - $249,999.99 0.15% 0.14%
DIMMA Tier 3 $50,000.00 $250,000.00 - $499,999.99 0.20% 0.19%
DIMMA Tier 4 $50,000.00 $500,000.00 and over 0.25% 0.24%

Business Savings Accounts

Type of Account Minimum Opening Deposit Required Minimum Balance to Obtain Annual Percentage Yield Annual Percentage Yield Interest Rate
Business Statement Savings $100.00 $200.00 0.05% 0.04%
High Yield Savings Tier 1 $1,000.00 $1,000.00-$49,999.99 0.10% 0.09%
High Yield Savings Tier 2 $1,000.00 $50,000.00 and over 0.15% 0.14%

Certificate of Deposit Accounts for Businesses

Penalties will or may be imposed for early withdrawals

Type of Account Minimum Opening Deposit Required Minimum Balance to Obtain Annual Percentage Yield Annual Percentage Yield Interest Rate
3 Month $500.00 $500.00 0.10% 0.09%
6 Month $500.00 $500.00 0.10% 0.09%
9 Month $500.00 $500.00 0.10% 0.09%
12 Month $500.00 $500.00 1.00% 0.99%
18 Month $500.00 $500.00 1.40% 1.39%
24 Month $500.00 $500.00 0.45% 0.44%
36 Month $500.00 $500.00 0.60% 0.59%
60 Month $2500.00 $2500.00 0.85% 0.84%

Interest rates subject to change without notice.