Business Checking | Credit Union of Denver

Managing daily expenses, deposits, and transfers shouldn’t slow you down. Our Business Checking with Debit Card includes the features you expect — plus tools designed to support your cash flow and simplify bookkeeping.

Tip:

When applying for a business account, please be prepared to provide:

Your corporation papers, trademark registration, or other Colorado State business filings
Your Tax ID number

Running a business takes time, focus, and a whole lot of energy — you shouldn’t have to do it alone. That’s where Credit Union of Denver comes in.

We offer the financial tools you need to manage your money more easily, so you can spend less time on banking and more time growing your business. (And yes — we fully support the occasional coffee break.)

Savings Accounts
Type of Account	Min. to Open	Minimum to obtain APY	APY¹
Membership Savings	$5	$5	0.05%
Holiday Savings²	$5	$0	1.25%
Transfer to Minors	$5	$5	0.05%
Secondary Savings	$0	$0	0.05%
Representative Payee	$5	$5	0.05%
Secured Card Savings	$5	$5	0.05%
Trust Savings	$5	$5	0.05%
Estate Savings	$5	$5	0.05%
Business Savings	$5	$5	0.05%

Compounds Monthly

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid to be paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. There is no minimum balance required to obtain this APY. Rate could change after account is opened.

² Holiday Savings compounds at maturity and has a $5.00 minimum balance to obtain APY.

³ The dividend rate & APY are variable and current as of 09/01/2026

Federally Insured by NCUA

Youth Share Accounts (Age 0-17)
Tier	Min. to Open³	Dividend Rate²	APY¹
First Tier	$5 up to $1,000	2.00%	2.01%
Second Tier	$1,000.01 and above	0.05%	0.05%

Compounds Monthly

¹The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. There is no minimum balance required to obtain this APY. Rate could change after account is opened.

² The dividend rate and APY are variable and current as of 09/01/2026

³ Youth Account has a $5.00 minimum balance to open.

Federally Insured by NCUA

Money Market Accounts
Tiers:	Min. Bal. to Obtain APY	APY¹
First Tier	$1,000 - $2,499.99	0.05%
Second Tier	$2,500 - $9,999.99	0.20%
Third Tier	$10,000 - $24,999.99	0.25%
Fourth Tier	$25,000 - $44,999.99	0.30%
Fifth Tier	$45,000 - $99,999.99	0.35%
Sixth Tier	$100,000 and over	0.40%

Compounds Monthly

The Interest APY is variable and current as of 09/01/2026

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened.
Minimum to open is $0.

Federally Insured by NCUA

Certificates

Starter Certificates - Add On Options
Term²	Min. Balance to obtain APY	APY¹
12 Month Term Starter Certificate	$25	2.40%
24 Month Term Starter Certificate	$25	3.00%

Certificates - Traditional
Term²	Min. Balance to obtain APY	APY¹
3 Month	$500	1.35%
6 Month	$1,000	3.65%
12 Month	$1,000	3.50%
24 Month	$1,000	3.35%
36 Month	$1,000	3.40%
48 Month	$1,000	3.45%
60 Month	$1,000	3.50%

Compounds Monthly

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding, for the term of the certificate.

² Early withdrawal penalties may apply on Certificates and fees may reduce earnings.

The Interest APY is variable and current as of 09/01/2026

Federally Insured by NCUA

Interest Checking²
Type of Account	Min. to Obtain APY	APY¹
Interest Checking	$1,000	0.10%

Interest Rewards Checking³
Tiers	Min. to Obtain APY	APY¹
First Tier⁴	Up to $10,000.00	5.00%
Second Tier	$10,000.01 and over	0.20%

Compounds Monthly

The Interest APY is variable and current as of 09/01/2026

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. There is no minimum balance required to obtain this APY. Rate could change after account is opened.

²If the daily balance should drop below $1,000 at any time during the month, the account will be charged a fee (as disclosed on the Fee Schedule) for that month, and the account will not accrue interest for those days where the balance is below $1,000. Interest will be calculated daily, compounded and credited monthly. Interest is paid on the entire balance provided the minimum amount of $1,000 is maintained on the account.

³ Interest Rewards Checking APY earned when minimum monthly requirements are met: At least 15 debit card transactions, a direct deposit or automatic credit electronically posted to the account and be enrolled in eStatements to be eligible to receive higher interest rate and ATM refunds up to $25.

⁴ If monthly qualifications are met in a calendar month, a higher rate of interest will be paid on balances up to $10,000 and a lower rate of interest will be paid on balances of $10,000.01 and above.

Federally Insured by NCUA

High Yield Money Market Accounts
Tiers:	Min. Bal. to Obtain APY	APY¹
First Tier	$0 - $9,999.99	0.00%
Second Tier	$10,000 - $24,999.99	0.50%
Third Tier	$25,000 - $44,999.99	0.60%
Fourth Tier	$45,000 - $99,999.99	0.75%
Fifth Tier	$100,000 and over	1.00%

Compounds Monthly

¹APY - The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened.

Rates are current as of 09/01/2026

Minimum amount to open $0

A fee will be assessed each month the balance is below the minimum $10,000. A fee will be imposed for more than three withdrawals or transfers per month. Please refer to our Rate & Fee Schedule for fees associated with this account.

IRA: Traditional - Roth - Coverdell ESA
Tier	Min. Balance to obtain APY	APY¹
Savings Account	$0	1.00%
6 Month Certificate	$1,000 and over	3.65%
12 Month Certificate	$1,000 and over	3.50%
24 Month Certificate	$1,000 and over	3.35%
36 Month Certificate	$1,000 and over	3.40%
48 Month Certificate	$1,000 and over	3.45%
60 Month Certificate	$1,000 and over	3.50%

Tiers & Certificates compounds monthly.

The Interest APY is variable and current as of 09/01/2026

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account per year. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened.

Early withdrawal penalties may apply on IRAs and reduce earnings.

Federally Insured by NCUA

IRA accounts are separately insured up to $250,000 by NCUA, an agency of the Federal Government.

Coverdell ESA Savings Accounts are separately insured up to $250,000 by NCUA, an agency of the Federal Government.

Mile High Money Market Accounts
Tiers:	Min. Bal. to Obtain APY	APY¹
First Tier	$0 - $24,999.99	0.00%
Second Tier	$25,000 - $44,999.99	1.95%
Third Tier	$45,000 - $99,999.99	2.20%
Fourth Tier	$100,000 to $249,999.99	2.45%
Fifth Tier	$250,000 and over	2.70%

Compounds Monthly

Rates are current as of 09/01/2026

Minimum amount to open $25,000. A fee will be assessed if the balance falls below the $25,000.00 minimum. A fee will be imposed for more than one (1) withdrawal or transfer per month. Please refer to our Rate & Fee Schedule for fees associated with this account.

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Disclosures

¹ Carrier message and data rates may apply.

A Membership Savings Account with a $5.00 deposit is required to establish membership before opening a checking account.

Applicants must clear a check reporting agency. The Credit Union reserves the right to obtain a Credit Bureau report on each applicant.

For complete Checking Account disclosures, please see our Membership Booklet and Truth in Savings information. Copies are available at any branch or by calling 303.234.1700.

Federally Insured by NCUA.

Business Checking Accounts

Business Checking features:

Contact us today to open or learn more:

Tip:

Looking for Something Else?

Business Savings & Investments

Business Loans

Disclosures