Business Savings & Certificate of Deposit

Business Premier Money Market Savings

Maximize your savings while maintaining access to cash with our attractive Business Premier Money Market Savings rates.

Open an account with a deposit of $10,000.00 or more, to earn interest at a guaranteed 3.73% APY* for the first 90 days.

After the 90 day period, the APY will be based upon your account balance. The higher your balance, the higher your interest!

Account Overview
• Minimum to Open: $10,000.00
• Tiered Rate Account: View our current Deposit Rates
• Interest is compounded daily and credited monthly
• Up to 6 free debit transactions per statement cycle ($25.00 fee for each additional debit)
• Monthly Service Fee: $0.00
• Free Digital Banking

*APY represents Annual Percentage Yield. Advertised rates and APYs are offered at the bank’s discretion and may change at any time without notice. Actual earnings may vary.

Certificate of Deposit

Maximize your earnings with a safe and secure investment in a BayVanguard Bank fixed term Certificate of Deposit. We offer competitive rates and your funds are insured by the FDIC to the maximum allowable limit.

A minimum deposit of $1,000.00 is required to open and credit interest. The following conditions apply:

• Interest is compounded daily and credited monthly
• Terms from 4 to 60 months available with automatic renewal
• Interest is at a fixed rate during the term of the certificate
• 36 month Bump-Up with 1 bump-up interest rate permitted during the term
• We may impose a penalty if the principal is withdrawn prior to maturity

Statement Savings

A minimum deposit of $50.00 is required to open a Statement Savings. The following conditions apply:

• Interest compounded daily and credited monthly
• Minimum balance to earn interest is $50.00
• $5.00 monthly service fee if balance drops below $50.00
• Variable interest rate