Business accounts with flexible terms and more.
Effective date:
Business Savings and Checking Accounts
T APY = Annual Percentage Yield. Rate is subject to change without notice after the account is opened. Fees could reduce earnings.
*Earns dividends if balance is greater than $100
Business Account Fees
| Type | Application Fees & Conditions |
|---|---|
| Forward Checking | $5 monthly maintenance fee if balance falls below $300 |
| Per Item Charge | $0.10/item, after first 100 free per month |
| Excel Checking | $10 monthly maintenance fee if balance falls below $1,000 |
| Per Item Charge | $0.10/item, after first 200 free per month |
| CashBack Excel Checking | $10 monthly charge for paper statements. Fee waived with enrolling in e*statements. |
Business Money Market
T APY = Annual Percentage Yield. Rate is subject to change without notice after the account is opened. Fees could reduce earnings.
Business Certificates
| Rate Duration | Rate | APYT |
|---|---|---|
| 6 Month | 2.00% | 2.02% |
| 12 Month | 2.50% | 2.53% |
| 14 Month Special | 3.97% | 4.04% |
| 24 Month | 3.00% | 3.04% |
| 30 Month Bump Rate* | 3.50% | 3.56% |
| 36 Month | 3.40% | 3.45% |
| 48 Month | 3.50% | 3.56% |
| 60 Month | 3.60% | 3.66% |
$500 minimum to open Share Certificate. Rates subject to change without notice.
T APY = Annual Percentage Yield. $500 minimum to open Share Certificate. Rates subject to change without notice. There is a penalty for early withdrawal. Fees could reduce earnings. Personal, business, and IRA funds are eligible. Brokered, third party funds are not eligible.
*The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher. Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
**The 14 Month Special will automatically renew at a standard 12 month term upon maturity. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
Business Visa Credit Card
| Type | Rate* |
|---|---|
| Standard Rate | 14.24% |
| Penalty Rate | 18.24% |
Subject to credit approval.
*Annual Percentage Rate is variable and subject to change with the market based on the Prime Rate.
Business Visa Disclosures
Variable Rate for Purchases
14.24%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate.
Variable Rate for Cash Advance
14.24%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate.
Variable Rate for Balance Transfers
14.24%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate. Interest charges will be calculated and will accrue according to the same method as purchases.
Penalty Rate
18.24%, when you open your account, based on creditworthiness. Interest Rate will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you an interest on purchases if you pay your entire balance by the due date each month.
Minimum Payment
Your monthly payment will be 2.50% of your total new balance, or $20.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any amount that exceeds your credit limit.
Transaction Fees
- Card Replacement Fee $10.00
- Statement Copy Fee $3.00 per statement
- Rush Fee $40.00
- Foreign Transaction Fee 2.00% of each transaction in U.S. Dollars
Penalty Fees
- Late Payment Fee $20
- Over the Limit Fee $20
- Returned Check Fee $24.00
