Business Accounts

Better banking for California businesses

Money management tools for growing your business.

Compare our Business Checking Options

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Free Business Checking

Perfectly suited for small business

Simple, yet convenient, our Free Business Checking gives you what you need and gets out of your way so you can focus on growing your company.

  • No monthly service fee or minimum balance requirement
  • Free access to Online Banking and e-Statements
  • Free Bill Pay
  • 25 free cleared checks
  • Free unlimited deposited checks and ACH transactions
  • Visa® Debit and Credit Cards available on approval

Business Fee Schedule

Business Account Requirements

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Business Interest Checking

Get more out of your daily business checking account

Upgrade your business checking to Business Interest Checking when you're regularly maintaining a $5,000 balance and want your deposits to grow every month.

  • Maintain a $5,000 minimum balance to avoid a $5 monthly fee
  • Tiered interest means higher balances earn higher rates
  • Free access to Online Banking, Bill Pay and e-Statements
  • 50 free cleared checks
  • Free unlimited deposited checks and ACH transactions
  • Visa® Debit and Credit Cards available on approval

Business Fee Schedule

Business Account Requirements

Flexible Options for Business Deposits

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Business Savings Accounts

It all starts here

Start building up your savings with the competitive rate on our Business Savings Account. You can monitor your monthly activity with Online Banking and e-Statements.

If your business is eligible to join SCU, this is the first account you open, which provides you an ownership share of SCU.

Business Account Requirements

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Business Money Market Accounts

The right blend of growth and liquidity

Earn higher rates than savings, with more access than a Certificate.

  • Open your account with a $2,500 minimum deposit and start growing from there.
  • Tiered rates mean you earn more with higher balances
  • Monitor your monthly growth through e-Statements
  • Order checks to write against your Business Money Market account

Business Account Requirements

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Business Certificates

Put excess cash to work

Certificates offer our highest savings rates for business accounts.

  • $1,000 minimum deposit
  • Terms available from three months to five years
  • Higher balances earn higher rates
  • Rate guaranteed through maturity
  • Interest paid monthly
  • Certificate renews automatically at maturity, unless you choose to cash it out

Business Account Requirements

Smart Accounts for
for Smarter Businesses.

Tools, service, and local support
built to help your business thrive.

Expand your business with smart financing options

Please note the following when applying for a business loan with Sacramento Credit Union:

  • Business loans, including business credit cards, are processed using the business owner’s Social Security Number (SSN). We do not offer lending under a TIN or EIN.

  • Business loan rates include a 2% increase over our standard consumer rates. For example, if a credit card rate is as low as 12.75% APR, the business rate would be 14.75% APR.

  • We require two years of business tax returns to evaluate a business loan application. Businesses that have been established for less than two years are not currently eligible for business lending.

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Commercial Vehicle Financing

Get on the road to a better option

The bottom line is your business needs reliable transportation at the right cost. Leave the financing to us.

  • Borrow up to $100,000
  • Fixed interest rates let you budget with certainty
  • Eligible for new and used commercial vehicles
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Business Credit Cards

Do more with your Visa Platinum

This credit card for eligible members helps you save time by managing all business expenses, including staff expenditures, on one card with low rates and no annual fee.

  • Credit limits up to $25,000
  • 25-day grace period on purchases
  • Accepted at millions of worldwide locations
  • Subject to approval
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Commercial Real Estate Loans

Mortgage options for business

We offer real estate financing suited for owner-occupied or investment properties, with amortization up to 25 years.

  • Borrow up to $5 million
  • Use for apartment buildings (5+ units), office buildings, retail properties, hospitality properties, special purpose real estate, industrial properties, mixed-use projects or storage unit sites
  • Minimum down payment or equity of 25%
  • Minimum Debt Service Coverage Ratio (DSCR) - 1.25:1
  • Stabilized rents and supporting business cash flow required, along with satisfactory credit history

Business Account Requirements

Required documentation varies depending on your business structure. If you have questions, please Contact Us.
Note: To complete verification, your business must be active and in good standing with the California Secretary of State.

General Business Account Opening Requirements
Additional Requirements Based on Business Structure May Be Required

Additional Details

Owners, partners, and key executives must provide taxpayer identification number for the business such as an Employer Identification Number (EIN), individual taxpayer identification number or Social Security Number (SSN) for Sole Proprietorships.

Certification Regarding Beneficial Owners: Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer. Beneficial Owners are to provide their name, address, date of birth and SSN.

Primary Identification: A State Driver's License/ID Card, Passport (US or Foreign), U.S. Military ID, Resident Alien ID Card/Green Card or Mexican Consulate ID is required.

Sacramento Credit Union reserves the right to refuse membership to business entities classified as “High-Risk” in accordance with the Bank Secrecy Act (BSA). These may include, but are not limited to:

  • Financial, investment or credit service providers (foreign currency exchange, investment/securities brokers, money order sales, off shore/non-US based businesses and import/export companies)
  • Regulated or illegal products (internet gambling providers and anything related to marijuana-related businesses)
  • Unfair, predatory or deceptive practices
  • Other high-risk products or services (travel agencies or other travel-related services, membership clubs and multi-level marketing programs)
  • Cash intensive businesses, such as restaurants and convenience stores, laundromats, private ATM or vending machine operators