It's a win-win!
Our Business Advantage Money Market account is the perfect account for your excess funds; you'll receive a higher return on your money with the flexibility to access it should the need arise. This tiered, variable-rate savings account offers a competitive savings opportunity with rates tied to the Treasury Bill (T-Bill), so you'll always receive the best rates in the market.1
What is the T-Bill?
Rates on Treasury Bills are set by market action and reflect the stability and direction of the overall market. The 1-Month T-Bill rate fluctuates daily and will be updated every Tuesday, based on the preceding Friday's rates.
- No monthly maintenance fees.
- Near real-time rate adjustments for balances beginning at $25,000, allowing for increased earning opportunity in the rising-rate environment.
- The ability to access funds in the account should the need arise, for infrequent expenses or occasional funding of operational accounts.2
- Account management through Online Banking, our mobile app with Mobile Deposit, account alerts and reminders, and more.3
- Easily link accounts at other financial institutions to transfer funds in.
- Federally insured by the National Credit Union Administration (NCUA) to at least $250,000.
|$25,000.00 - $99,999.99 (br)(Variable based on 1-Month Treasury Bill - 1.25% (margin))||.80%||.80%|
|$100,000.00 - $499,999.99 (br)(Variable based on 1-Month Treasury Bill - 1.00% (margin))||1.05%||1.05%|
|$500,000.00+ (br)(Variable based on 1-Month Treasury Bill - .50% (margin))||1.55%||1.56%|
Our helpful and knowledgeable professionals are ready to answer your questions. For more information:
- Contact a Branch Manager at: 513.243.4328 or 800.542.7093.
- Complete this short form and we'll get in touch with you.
1APY = Annual Percentage Yield. It takes $25,000 to open this account. If the account falls below $25,000 any day of the month, there will be no dividends paid on that day of the month. The minimum balance in the account is $25,000; you must maintain the corresponding minimum daily balance to obtain the disclosed annual percentage yield. Rates earned are based on balance. The tiers are as follows: Tier 1 daily balance of $25,000 to $99,999.99 (1-Month Treasury Bill – 1.25%); Tier 2 daily balance $100,000 to $499,999.99 (1-Month Treasury Bill – 1.00%); Tier 3 daily balance $500,000 or more (1-Month Treasury Bill – .50%). All tiers are subject to variable rate pricing and will adjust weekly. We will update this rate weekly on Tuesday to reflect the previous Friday’s 1-Month Treasury Bill rate. If Tuesday is an observed holiday, it will be updated the next available business day. The 1- Month Treasury bill rate can be found from the U.S. Department of Treasury site under the “Daily Treasury Yield Curve Rate” drop down option.We use the daily balance method to calculate the dividend on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. APY will vary due to activity and balance. Rate may change after the account is open. Fees may reduce earnings.
2Federal regulations (Regulation D) limit the number of the following types of withdrawals and transfers from a savings account to a total of six (6) per month: automatic or pre-authorized transfers, telephone transfers, Online Banking transfers, or ACH credits/debits. If you exceed the monthly limit, you may visit a branch or ATM to complete a transfer from a savings account.
3We provide Online Banking and our mobile app to you for free; however, Mobile/Internet data charges may apply. Please contact your service provider for details.
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