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Business saving accounts

Make saving part of your everyday budget strategy. Whether preparing for expansion or retirement, put your money to work for you, earning dividends on your federally insured STCU saving accounts.

Choose from standard savings, money market, and certificate accounts. Then get back to running your business and let us handle the rest!

Savings Money markets Certificates
No minimum to open. $500 for "add-on" certificates; other certificate minimums vary
24-hour online/ATM access.*
Dividends compounded monthly.
Federally insured to $250,000.
No early withdrawal penalty. Penalties vary. See terms
Automatic rate hike
at certain balance tiers.
No. "Add-on" certificates only
No monthly service fee. footnote #1 footnote #2
Rates and terms. Rates Rates Rates

*ATM access not available to money market and certificate accounts. Pleas remember that unlimited deposits or withdrawals on business saving and money market accounts are permitted when conducted in person, by mail, or Quick Drop, but federal law limits these accounts to just six (6) pre-authorized, automatic, or remote (such as online and mobile banking) transfers to another account, including other accounts you own, per calendar month. Exceeding the limit may subject you to fees or account closure.
1No monthly service fee with $250 or more average daily balance. 
2No monthly service fee with $2,500 or more average daily balance.

More certificate options

Looking to earn more on your money? Need to park large sums temporarily? STCU certificates provide competitive returns with limited risk, ranging from one month to five years: 

Add-on certificates
Open your certificate with as little as $500, and automatically add from $25 to $5,000 monthly to build your savings faster. With terms of 6- to 60-months, your dividend rate will rise automatically when your account balance reaches certain tiers of savings.

Bump-rate certificates
Open your certificate with as little as $2,000, with the option to bump up your rate one time during the next 18 months should savings rates rise.

Jumbo certificates
When offered by STCU, the 30-month President's Premium Certificate earns a great rate on $25,000 or more. One- to three-month jumbo certificates also available for large, short-term deposits.

Open your account

Open your savings, money market, or certificate account today at any STCU branch location. You'll find STCU Commercial and Business Services on the seventh floor of the Hutton Building, 9 S. Washington, in downtown Spokane map. Or contact us by phone at (509) 344-2200, (208) 619-4001, or toll-free at (800) 858-3750, or use LiveChat instant messaging during weekday business hours.