Smart Savings for Your Business
Support daily operations, boost your business’s capital, and reach your savings goals faster!
Put Your Business Savings to Work
Primary Business Savings
A straightforward savings account designed for everyday business needs. Earn competitive interest on accessible funds and manage cash reserves without monthly maintenance fees.
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Business Growth Savings
Plan ahead for future opportunities with a savings account that helps your business grow. Enjoy no monthly fees and flexible access to funds so you can prepare for unexpected expenses or investments.
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Business Share Certificates
Lock in your savings with guaranteed returns. Business Certificates offer fixed terms and competitive rates, making them ideal for businesses looking to maximize earnings on surplus funds with predictable growth.
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Business Money Market
Combine higher earning potential with convenient access. A Business Money Market account offers tiered interest rates and check-writing privileges, giving you flexibility while your savings work harder.
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Primary Business Savings | Business Growth Savings | Business Share Certificates | Business Money Market | |
|---|---|---|---|---|
| Minimum account opening deposit | $500 | $0 | $500 | $1,500 |
| Minimum daily balance requirement | $500 for the first month, $5 thereafter to maintain membership | None; $1,000 to earn interest | $1,500 to avoid monthly fee | |
| No Monthly Maintenance Fees |  |
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 | None if minimum balance is met |
| Membership Opening Charge | $10 | |||
| Earns Interest | |
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| Digital Banking capabilities | |
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| Deposits insured up to $500,000 | |
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| Access funds anytime | |
| Restricted | Unlimited 6 check or electronic transactions per month; unlimited in-branch withdrawals |
| Learn More | Learn More | Learn More | Learn More |
| Minimum account opening deposit | $500 |
|---|---|
| Minimum daily balance requirement | $500 for the first month, $5 thereafter to maintain membership |
| No Monthly Maintenance Fees | |
| Membership Opening Charge | $10 |
| Earns Interest | |
| Digital Banking capabilities | |
| Deposits insured up to $500,000 | |
| Access funds anytime | |
| Minimum account opening deposit | $0 |
|---|---|
| Minimum daily balance requirement | None; $1,000 to earn interest |
| No Monthly Maintenance Fees | |
| Membership Opening Charge | |
| Earns Interest | |
| Digital Banking capabilities | |
| Deposits insured up to $500,000 | |
| Access funds anytime | |
| Minimum account opening deposit | $500 |
|---|---|
| Minimum daily balance requirement | |
| No Monthly Maintenance Fees | |
| Membership Opening Charge | |
| Earns Interest | |
| Digital Banking capabilities | |
| Deposits insured up to $500,000 | |
| Access funds anytime | Restricted |
| Minimum account opening deposit | $1,500 |
|---|---|
| Minimum daily balance requirement | $1,500 to avoid monthly fee |
| No Monthly Maintenance Fees | None if minimum balance is met |
| Membership Opening Charge | |
| Earns Interest | |
| Digital Banking capabilities | |
| Deposits insured up to $500,000 | |
| Access funds anytime | Unlimited 6 check or electronic transactions per month; unlimited in-branch withdrawals |
Today’s Rates
Last Updated on March 1, 2026March 1, 2026February 27, 2026
| Type | Features | Rate | APY† | |
|---|---|---|---|---|
| Tier 1 | $0 - $999.99 | 0.01% | 0.01% | |
| Tier 2 | $1,000 - $99,999.99 | 2.97% | 3.00% | |
| Tier 3 | $100,000 - $249,999.99 | 2.97% | 3.00% | |
| Tier 4 | $250,000 - $499,999.99 | 2.97% | 3.00% | |
| Tier 5 | $500,000 or greater | 0.45% | 0.45% |
| Type | Rate | APY† | |
|---|---|---|---|
| 3 Month | 0.90% | 0.90% | |
| 6 Month | 0.90% | 0.90% | |
| 9 Month | 0.90% | 0.90% | |
| 10 Month | 0.90% | 0.90% | |
| 11 Month | 0.90% | 0.90% | |
| 12 Month | 0.90% | 0.90% | |
| 13 Month | 2.86% | 2.90% | |
| 15 Month | 1.98% | 2.00% | |
| 18 Month1 | 3.35% | 3.40% | |
| 24 Month1 | 3.11% | 3.15% | |
| 36 Month | 2.86% | 2.90% | |
| 48 Month | 2.86% | 2.90% | |
| 60 Month | 2.86% | 2.90% |
| Features | Rate | APY† | |
|---|---|---|---|
| $0.00 - $9,999.99 | 0.05% | 0.05% | |
| $10,000.00 - $49,999.99 | 0.07% | 0.07% | |
| $50,000.00 or greater | 0.15% | 0.15% |
Business Certificates
Start maximizing earnings while maintaining control of your cash flow with our Business Share Certificates, ideal for surplus funds and long-term planning. Choose terms from 3 months to 5 years to match your liquidity and growth needs.
Open with as little as $500.
No setup or maintenance fees.
Funds insured up to $500,000.
Connect with a Business Account specialist to get started.
Money Market Accounts
Accelerate your business savings while keeping your cash fully accessible.
Flexibility That Works for Your Business – Unlimited withdrawals and up to 6 monthly transactions.
No Monthly Fee to Worry About – Maintain a $1,500 daily balance and bank fee-free.
Getting Started Is Simple – Open your account with a $1,500 minimum deposit.
Your Business Deposits Are Well Protected – Insured up to $500,000 at no extra cost.
Everyday Tools for Business Banking
Manage your business savings and keep your finances organized from wherever you may be!
Secured Funds
Deposits secured up to $500,000, backed by NCUSIF and additional private insurance.
Frequently Asked Questions
Typically, you’ll need:
- Government-Issued Photo ID for all individuals authorized to sign on the account
- Proof of Business Address (examples: business card, utility bill with business name and address, or official letterhead)
- Tax Identification Number (TIN) or Employer Identification Number (EIN); Sole proprietors may use their Social Security Number
- Business License or Certificate of Good Standing from the state where your business is registered
- Certificate of Assumed Name or DBA (Doing Business As) if your business operates under a different name
- Ownership Information (details of beneficial owners or ownership agreements)
Yes, most business accounts require an EIN. Sole proprietors may use a Social Security Number, but an EIN is recommended for tax and legal purposes.
Business accounts require added documentation. For the best experience, an in-person visit is necessary to verify documents and signatures.
Minimum deposit requirements vary by account type. Speak with a Business Account specialist today to learn more about which account option may be best for your business needs.
Some accounts have monthly fees, while others, like certain savings accounts, may offer no monthly maintenance fees. Speak with a Business Account specialist today to learn more.
You can manage your business accounts via online banking and our mobile app. Depending on your business account type, funds can be accessed through checks, in-branch services, and debit cards for convenience.
Yes. You can easily transfer funds between eligible First Harvest business accounts and access your savings through our digital banking platform and branches network!
More Solutions
Simplify your everyday banking with accounts that make managing cash flow easier. Explore flexible solutions tailored to your business needs.
Learn MoreYou help our local economy succeed — so let us help you succeed. Explore these lending options for growing or starting your business.
Learn MoreConnect with a representative for assistance with almost any banking need. Schedule a virtual video chat when it’s convenient for you.
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Business Checking
Simplify your everyday banking with accounts that make managing cash flow easier. Explore flexible solutions tailored to your business needs.
Learn MoreBusiness Loans
You help our local economy succeed — so let us help you succeed. Explore these lending options for growing or starting your business.
Learn MoreVirtual Branch
Connect with a representative for assistance with almost any banking need. Schedule a virtual video chat when it’s convenient for you.
Learn MoreGet Started Today!
Across New Jersey, First Harvest Credit Union supports local businesses with simple, reliable business savings options.
Simple Tips to Save Smarter
† Annual Percentage Yields (APY) accurate as of the date listed above and subject to be canceled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. Fees may reduce earnings. Contact us at 800.582.7640 for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. All Business Accounts must be opened at a First Harvest branch.
Business Growth Savings Account: $500 minimum required to open the account.
Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union.
Business Money Market: Requires a minimum opening deposit and daily balance of $1,500 to avoid a monthly service fee of $10. Fees may reduce earnings. Review our Truth In Saving Disclosure for details.
1. Must open with $500 minimum in new money or have a First Harvest Checking Account.
2. Non-usage fees may apply. See Fee Schedule for details. For Mobile Banking App, wireless carrier data rates may apply.
