1 APY = Annual Percentage Yield. Civic membership required to open account. Minimum balance of $1 required to earn dividends, which are compounded daily and paid monthly. Minimum opening deposit is $25  for first Business Savings Account, and $20 for each additional account. Minimum balance fee of $1 each month balance is below $25.   

2 Overdraft Transfer Service is available from a Business Checking, Business Savings or Business Money Market account with no minimum increments or transfer fees. Members may also apply for an overdraft line of credit from which transfers are made in increments of $50 up to available limits.