We offer checking, money market and certificate of deposit accounts that are competitively priced and offer flexibility, including:
- Investors Basic Business Checking (designed for lower activity accounts): A simple, easy to understand account that will fit a variety of business needs. Either maintain a minimum monthly balance of $1,000 or pay a monthly maintenance fee of $12. This account does not earn interest. Minimum balance to open is $1,000.
- Investors Business Checking (an analyzed account that is designed for higher activity accounts): This checking account is customized based on your business needs. From basic checking services to wire transfers, online banking to automatic sweeps, origination of ACH Files and more, this product can be built to your specifications. Minimum balance to open is $1,000.
- Investors Business Savings Accounts : This is a standard business savings account that only requires a $250 minimum balance to start and grow your savings.
- Investors Business Money Market Accounts : One of the most flexible options for today's businesses! The more money you have on deposit the more interest your money will earn. This option requires a daily minimum balance of $2,000 or an average* monthly balance of $8,000 in the money market account. Minimum balance to open is $5,000.
- Business Certificates of Deposit (CD) products : Our CD products pay competitive interest rates and can be invested for a variety of terms. For your convenience, renewals, reinvesting and redemptions can be handled over the phone or through the mail. Unless stated, we require a minimum deposit of $10,000 to open.
- CDARS : CDARS (Certificate of Deposit Account Registry Service) is the most convenient way to access FDIC insurance on multi-million dollar investments. .
- Specialty accounts (IBRETA and IOLTA).
*Average Balance Calculation - The average balance is calculated by adding the principal ledger balance for each day of the month and dividing that figure by the number of days in the month.
Important information about procedures for opening a new account : To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Business Deposit Rates
|Product Name / Minimum Opening Deposit||Balance Tiers / Minimum Term Length||Rate||APY|
| Business Certificate 30 Day |
| $25,000 (1) ||$25,000 - $99,999.99||0.20%||0.20%|
|$100,000 - $499,999.99||0.30%||0.30%|
|$500,000.00 and above||0.40%||0.40%|
| Business Certificate < 6 Months ||1 Month||0.20%||0.20%|
| $10,000 (1) |
|Business Certificate 6 to < 12 Months||6 Months||0.75%||0.75%|
|Business Certificate 1 to < 2 Years||12 Months||1.00%||1.00%|
|Business Certificate 2 to < 3 Years||24 Months||1.30%||1.30%|
|Business Certificate 3 to < 4 Years||36 Months||1.50%||1.50%|
|Business Certificate 4 to < 5 Years||48 Months||1.80%||1.80%|
|Business Certificate 5 Year - 60 Month||60 Months||1.90%||1.90%|
| Investors IOLTA and IBRETA Accounts |
(Rate and APY are same as business earning credit)
|$0.00 and greater|| 0.50% || 0.50% |
|Investors Business Savings**||$0.00 - $9,999.99||0.10%||0.10%|
|$250 (2)||$10,000.00 - $24,999.99||0.15%||0.15%|
|$25,000.00 - $49,999.99||0.20%||0.20%|
|$50,000.00 - $149,999.99|| 0.25% || 0.25% |
|$150,000.00 - $499,999.99|| 0.35% || 0.35% |
|$500,000.00 - $999,999.99|| 0.50% || 0.50% |
|$1,000,000.00 and above|| 0.50% || 0.50% |
|Investors Business Money Market**||$0.00 - $9,999.99||0.10%||0.10%|
|$5,000 (2)||$10,000.00 - $24,999.99||0.25%||0.25%|
|$25,000.00 - $49,999.99||0.45%||0.45%|
|$50,000.00 - $149,999.99||0.55%||0.55%|
|$150,000.00 - $499,999.99||0.70%||0.70%|
|$500,000.00 - $999,999.99||0.75%||0.75%|
|$1,000,000.00 and above||0.75%||0.75%|
| Business Checking Earnings Credit |
At this time, the earnings credit is adjusted to 0.50%.
Normally this rate is the average of the prior month 90-day T-Bill
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(1) CERTIFICATE OF DEPOSIT PRODUCTS - These are term investments, a penalty may be imposed for early withdrawal.
(2) INTEREST BEARING SAVINGS, MONEY MARKET, AND CHECKING PRODUCTS - These are variable rate accounts without maturity terms; the rate(s) and APY(s) may change after the account is opened. Fees could reduce earnings on the account.
The interest rates may be different for: Institutional investors, large Investments of $500,000 or more and for investors from outside of Wisconsin. Please call for a rate quote: 1-888-686-9998. Interest rates and APY are current as of today's date. Rates are subject to change at anytime.
**Does not apply to Municipal Deposits; please call for a rate quote.
All interest rates on this page apply to our deposit interest accounts.