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Business Savings & CDs

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Commercial Savings

A simple, reliable way to set aside funds for your business while earning interest. Whether you're building reserves, planning for future expenses, or managing seasonal cash flow, this account is designed to support your business’s financial goals.

Features
  • $100 minimum deposit required to open and earn interest
  • No monthly service charge when balance requirements are met
  • Interest is calculated on the daily collected balance and credited to your account quarterly
  • 24-Hour Telephone Banking (225-654-1516)
  • Up to 6 (six) withdrawals per quarterly statement cycle at no charge
  • e-Statements included and provided quarterly
  • Business & Online Mobile Banking
Rates

Effective Date: 5/16/2026

Business Savings (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.30%0.30%$100$100

*APY = Annual Percentage Yield.
These rates may change after the account is opened.  Fees may reduce earnings in these accounts.

A $100 minimum deposit is required to open the account and earn interest. A $5.00 service charge will be assessed if the minimum daily balance falls below $100 during the quarterly statement cycle. You may make up to 6 withdrawals per quarterly statement cycle at no charge (including transfers); a $5.00 fee will apply for each withdrawal in excess of this limit. Up to 20 deposited items per quarterly statement cycle are allowed at no charge; a $0.30 fee will apply for each item thereafter. Interest rates are variable and may change at any time after the account is opened. Fees may reduce earnings on the account and are subject to change.

Business Certificates of Deposit (CDs)

A secure way to grow your business savings with a fixed interest rate over a defined term.

Features
  • Competitive, fixed interest rates
  • $2500 minimum deposit required to open
  • No monthly service charge
  • Flexible terms ranging from 90 days to 60 months
  • Automatic renewal at maturity
  • FDIC insured up to the maximum allowable limits
Rates

Effective Date: 5/16/2026

Business Certificates of Deposit (Rate Table)
TermInterest RateAPY*Minimum To OpenMinimum To Obtain APY
90 Days1.74%1.75%$2,500$2,500
6 Months3.47%3.50%$2,500$2,500
12 Months3.21%3.25%$2,500$2,500
18 Months2.67%2.70%$2,500$2,500
2 Years2.53%2.55%$2,500$2,500
3 Years2.28%2.30%$2,500$2,500
5 Years2.23%2.25%$2,500$2,500

*APY = Annual Percentage Yield.
Note: These rates may change at any time without prior notice.
For CDs, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
These CDs automatically renew.

A penalty may be imposed for early withdrawal and may reduce earnings on the account. Interest rates and Annual Percentage Yield (APY) are fixed for the term of the certificate and will be disclosed at account opening. At maturity, the account will automatically renew for the same term at the rate in effect at that time unless otherwise directed. A 10-day grace period following the maturity date allows for changes to be made, including withdrawals without penalty, deposits of additional funds, term changes, or other modifications. FDIC insurance coverage is subject to applicable limits.

Business Loans

Whether you are looking to purchase equipment or secure a line of credit, we can tailor a loan program to your business.

Learn More about Business Loans