Business Savings

A hassle-free savings account option to help your business stay ahead.

You need a safe place to stow your business savings. You also need to easily access and manage your money. A Meridian Trust Business Savings Account is just the thing.

Business Savings Rates

Business Savings Accounts

Minimum Opening Balance	Minimum Balance to earn APY*	Dividend Rate	APY*
^*APY=Annual Percentage Yield. Rates may change without notice. Rates above are effective as of December 5, 2022. Fees could reduce the earnings on the account. Membership required.
Minimum Opening Balance $10	Minimum Balance to earn APY* $100	Dividend Rate 0.05%	APY* 0.05%

Business Certificates

Term	Minimum Opening Balance	Minimum Balance to Earn APY	Dividend Rates	APY*
^*APY=Annual Percentage Yield. Rates may change without notice. Rates above are effective as of May 20, 2024. Special promotional rates may not be combined with other offers. A penalty may be imposed for withdrawals before maturity. If your certificate has an original maturity of 12 months or less, the penalty will equal 90 days’ worth of dividends on the amount withdrawn, whether earned or not. If your certificate has an original maturity greater than 12 months, the penalty will equal 180 days’ worth of dividends, whether earned or not. Fees could reduce the earnings on the account. $500 minimum deposit. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Pay monthly. Membership required.
Term 6 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.98%	APY* 4.05%
Term 12 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.93%	APY* 4.00%
Term 18 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.69%	APY* 3.75%
Term 24 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.59%	APY* 3.65%
Term 30 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.54%	APY* 3.60%
Term 36 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.49%	APY* 3.55%
Term 48 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.44%	APY* 3.50%
Term 60 months	Minimum Opening Balance $500	Minimum Balance to Earn APY $500	Dividend Rates 3.69%	APY* 3.75%

Business Money Market Accounts

Balance	Dividend Rate	APY¹
¹Annual Percentage Yield. Rates may change without notice. Rates above are effective as of February 1, 2024. Money Market accounts are Tiered Rate accounts. For these accounts, if the balance falls within the range for a particular tier, the dividend rate applicable to that tier will apply to the full balance in the account. Fees could reduce the earnings on the account. Membership required.
Balance $0 - $2,499	Dividend Rate 0.05%	APY¹ 0.05%
Balance $2,500 - $9,999	Dividend Rate 0.25%	APY¹ 0.25%
Balance $10,000 - $24,999	Dividend Rate 0.30%	APY¹ 0.30%
Balance $25,000 - $49,999	Dividend Rate 0.35%	APY¹ 0.35%
Balance $50,000 - $99,999	Dividend Rate 0.40%	APY¹ 0.40%
Balance $100,000 - $149,999	Dividend Rate 0.99%	APY¹ 1.00%
Balance $150,000+	Dividend Rate 2.22%	APY¹ 2.25%

What you need to open a Business Account

Letter of Assignment of EIN from the IRS
Certificate of Good Standing
ID Information, SSN and Address of all individuals who own or control more than 25% of the business

See what else you need with our handy checklist