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Business Rates

Whether you’re starting a new business venture or are looking to expand, money should never be a problem. That’s why at Community 1st Credit Union, we offer low-cost checking accounts and flexible loan rates to help cover any financial gaps you may have. 

Business Checking Account Rates

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*
Non-Profit Checking 0.20% 0.20% $50 -
Small Business Checking 0.00% 0.00% $50 -
Business Plus Checking 0.00% 0.00% $50 -
Corporate Checking 0.05% 0.05% $50 $0
Corporate Checking 0.10% 0.10% $50 $50,001
Corporate Checking 0.15% 0.15% $50 $125,001
C1st Free Business Checking (Grandfathered) 0.00% 0.00% - -
Business Interest Checking (Grandfathered) 0.20% 0.20% $2,500 $2,500
Commercial Checking (Grandfathered) 0.40% 0.40% - -

*APY is Annual Percentage Yield.  Minimum daily average, dividends will be compounded and credited monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Rates may vary after the account is opened. Fees may be assessed if minimum balance requirement is not maintained. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

Business Loan rates accurate as of 3/24/2023.

Business & Agriculture Real Estate

Type Rate Points
1 Year Balloon As Low As 6.500%* 1 Point
3 Year Balloon As Low As 6.750%*

1 Point
5 Year Balloon As Low As 7.000%*

1 Point
7 Year Balloon As Low As 7.250%*

1 Point
5/5 ARM** As Low As 6.750%*

1 Point

Balloon rates shown above are for 20 year amortizations.  All in-house 1st mortgage loans will be subject to pricing adjustments based upon the borrower's lowest score, as obtained via credit report. Loan interest rate and approval subject to qualified credit, account balance and product usage with Community 1st Credit Union. Please contact your Loan Officer for further details. *Terms and qualifications apply.  Advertised rates are subject to change at any time. **3.75% plus five-year treasury constant maturity rate.  5.25% floor.  3% cap per charge with a 5% change maximum. Minimum loan amount of $50,000.

Operating Line of Credit (Variable Rate)

Type Rate
Secured As Low As 10.00% APR*
Unsecured As Low As 13.50% APR*

Terms up to 5 years for $10,000 or less.  Rate adjusts periodically with the prime rate. 
Loan interest rate and approval subject to qualified credit, account balance and product usage with Community 1st. Please contact your Loan Officer for further details. *ANNUAL PERCENTAGE RATE.  Terms and qualifications apply.  Advertised rates are subject to change at any time.

Equipment Loans (Fixed Rate)

Type Rate
Equipment Loans (Fixed Rate) As Low As 6.74% APR*

Loan interest rate and approval subject to qualified credit, account balance and product usage with Community 1st. Please contact your Loan Officer for further details.*ANNUAL PERCENTAGE RATE.  Terms and qualifications apply.  Advertised rates are subject to change at any time.

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