Business Account Options

Savings

A $5 deposit into your savings account opens you up to a world of possibilities. We also have other available options for you that will earn higher dividends.

Money Market Accounts

A Business Money Market Account allows your company to maintain cash liquidity while earning a higher rate on your share deposits. Our tiered structure rewards your company for higher balances. All funds in your business money market account are readily accessible for withdrawal upon your request.

Share Certificates

Our share certificates are no-risk, high-earning investments featuring competitive rates and a choice of terms.

Checking

Trust your company’s checking needs with an organization that puts members first. Emery’s Business Checking products allow our members the convenience of managing accounts in person or online.

Emery has several business checking options. Let us work with you to identify the right option for your business.

Basic Advanced Premium Non-Profit
$100 to open account$250 to open account$500 to open account$100 to open account
150 transactions per month300 transactions per month300 transactions per month150 transactions per month
$0.25/Per-transaction
fee over 150
$0.25/Per-transaction
fee over 300
$0.20/Per-transaction
fee over 300
$0.25/Per-transaction
fee over 150
$5 monthly service charge$10 monthly service charge$25 monthly service charge
Average daily balance of $2,500Average daily balance of $5,000Average daily balance of $10,000
$2,500 minimum average balance to earn dividends$5,000 minimum average balance to earn dividends
Dividends paid monthlyDividends paid monthly
Dividends paid on
average daily balance
Dividends paid on
average daily balance

Check out our unbeatable auto rates!

Click to view Table

Loans

Loans

Sometimes, your day-to-day operations or big plans mean you need access to credit. Emery has lending products for all your business needs.

Credit Cards

In today’s fast-paced business environment, a company credit card is a necessity. Regardless of whether your need is for business travel, inventory, office supplies, or a short-term cash need, our business card offers the ease and convenience to conduct business at your pace and on your terms.

Real Estate

Emery has the resources and the expertise to help our members finance nonowner-occupied investment properties and other commercial real estate or industrial properties.

We can help secure financing on the following investments:

  • One- to four-family investment properties
  • Commercial real estate
  • Construction loans
  • Working capital
SBA Loans

Emery FCU has become a regional partner of the U.S. Small Business Administration (SBA) to offer you more opportunities for lending to start, build and grow your business.

SBA 7a Loans

Small businesses of all sizes can apply for SBA 7a loans. The advantages of these loans can be significant for companies in growth stages ranging from start-up to mature businesses.

  • Longer repayment term
  • Lower equity injection required
  • Competitive interest rates
  • Flexible qualifying criteria

SBA 504 Loans

The 504 Loan Program helps growing businesses secure long-term financing for major fixed asset purchases, including land, buildings, machinery and equipment. Loans can also be used to modernize, renovate and restore existing facilities.

  • Longer repayment term
  • Lower equity injection required
  • Competitive interest rates
  • A portion of the loan can be a fixed rate with a longer maturity

For more information about Government SBA programs 7a and 504, click here.

Other Lending

There are even more business lending options available to you to help your small business succeed.

  • Business lines of credit
  • Term/equipment loans
  • Business auto & title loans

Services

To successfully manage and grow you business, you need a partner that’s there for you when all you want are simple, easy-to-understand answers.

HSA Accounts

Emery offers businesses and their employees one of the best Health Savings Account products in the industry, including administration of the accounts. Emery will come to your office to meet with employees, open their accounts and answer any questions. Get peace of mind knowing we are here to help.

  • A one-time fee of $5.00 to open the account (Note: employees may need a deposit of $10.00 total if they are not already an Emery member.)
  • No annual or monthly fees
  • Statements received via eStatement
  • Debit card access to account
  • Checks available upon request
  • Tiered interest rate structure

Government regulated HSA account details may change on an annual basis. Visit the United States Department of the Treasury for details and program guidelines.

Merchant Services

Does your business accept credit cards or debit cards as a form of payment? Emery Federal Credit Union offers credit card processing with low fees through strategic partnerships. Our partners can help save you and your customers money.

Our partners offer a variety of merchant service options including:

  • eCommerce/shopping card
  • Online donation program
  • State of the art equipment
  • Wireless and mobile solutions
  • Unparalleled service
  • 24/7 live customer service
  • Phone swipe with flat fee
401k Advising

Research studies have shown that one of the main reasons for financial hardship during retirement is lack of planning. Still, more than half of US workers surveyed by the Employee Benefits Research Institute have not calculated what they will need for retirement.* By developing a retirement plan strategy early, you’ll be able to build a portfolio to assist with your retirement expenses.**

Faith 401k & Money Management, LLC can evaluate your personal situation to determine short and long term income requirements. Your needs are carefully assessed, and your financial advisor can illustrate what investment choices best fit your risk tolerance, what you are comfortable with, and time goal.

It’s never too late to start planning for your future. Faith 401k & Money Management, LLC can assist you in the following areas:

  • When can I afford to retire?
  • Income needs today and tomorrow
  • Impact of inflation and taxes
  • Investing for growth and income
  • Evaluating investment volatility

For more information about retirement planning, investments, 401k rollover options, or other general questions, contact:

Dennis R Horr, AIF, Director of Retirement Plans or
Teresa Nieman-Gregg, CFP, CDFA, CPFA
513.898.1897
Fax 513.452.3502
dhorr@faith401kmgmt.com
tniemangregg@faith401kmgmt.com
www.faith401kmgmt.com

*Securities and investment advisory services offered through Royal Alliance Associates, Inc. (RAA), member FINRA/SIPC. Advisory services offered through Royal Alliance Associates.
Insurance products offered through independent agent, not Royal Alliance Associates.

**All investments involve risk to principal invested and may lose value.

Emery as Your Small Business Partner

We want to help you with all your business needs. If you are unsure what savings, checking or loan options are best for you, please don’t hesitate to reach out! You can visit any of our branch locations, email us or give us a call at 513.530.9351, option 3.

Information

For You

Stay up to date on industry news, read helpful tips, and see what’s happening at Emery Federal Credit Union.

Show Me More

You are now leaving Emery Federal Credit Union

You are leaving Emery Federal Credit Union’s website to visit one of our partner’s websites. By clicking OK, a new window will open in your browser.

You will be redirected to

Click the link above to continue or CANCEL