Take your small business further without having to pay more.
Your business is unique, and so are your finances. SBA loans are built to support what matters most, without punishing you with excessive fees or rates.
Features You’ll Love
- Favorable rates and terms ideal for small businesses
- Backed by the U.S. government
- Available for a wide range of needs
- Enjoy fast, local decision-making and processing
- Available for start-up businesses, as well as purchasing and refinancing existing businesses
- Government-assisted help for businesses that might otherwise have difficulty getting approved
- Special financing for qualifying businesses
- Competitive rates for a wide range of business needs:
- Commercial real estate purchase
- Construction
- Business acquisition or expansion
- Equipment/inventory purchase
- Working capital
- And more
- SBA 7(a) and 504 loan programs available
- Generally lower down payments and extended terms
- Additional considerations taken when deciding maturity*
- Local decision-making and processing
- Personalized service that aligns our offerings with your needs
ELIGIBILITY
The SBA has certain guidelines regarding businesses that may qualify for an SBA guaranteed loan. An eligible business must be independently owned and operated for profit in the United States and must meet certain revenue guidelines established by the SBA. You must also demonstrate good character, adequate collateral, managerial expertise and commitment, and the ability to repay the loan from business earnings.
*Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
CENTER REWARDS CHECKING ACCOUNT
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $15,000 | 3.25% | 3.30%* |
| $15,000+ | 0.20% | 3.30%* to 0.20%* |
| All balances if qualifications not met | 0.05% | 0.05%* |
1Variable interest rate subject to change at any time
2Annual percentage yield
QUALIFICATIONS
To earn your rewards, just do the following transactions and activities in your Center Rewards Checking account during each Monthly Qualification Cycle:
- Have at least one ACH direct deposit or one ACH automatic payment that posts and clears per monthly qualification cycle
- Have at least 10 debit card purchases of $10.00 or more that post and clear per monthly qualification cycle. (Purchases that are under $10.00 will not count towards the 10 debit card purchases. ATM-processed transactions do not count towards qualifying debit card transactions.)
- Enroll and agree to receive electronic statements***
That's it. Even if you don't meet your qualifications during the cycle, your Center Rewards Checking account is still free if you are enrolled and receive electronic statements.*** Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!
*Annual Percentage Yield (APY) accurate as of 11/8/2024. Rate tiers are as follows: 3.30% APY applies to balances of $.01 - $15,000 and 0.20% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY* applies to all balances if monthly qualifications are not met. All balances will earn 3.30% APY to 0.20% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions.
**Up to $25 ATM fee refunds per monthly qualification cycle only if qualifications are met within the monthly qualification cycle.
***$5 monthly fee if not enrolled in and receiving electronic statements.
CERTIFICATE OF DEPOSIT
| Description | Minimum Balance | Rate | APY2 |
|---|---|---|---|
| 6-month | $500 | 3.45% | 3.49% |
| 12-month | $500 | 2.98% | 2.99% |
| 18-month | $500 | 1.25% | 1.25% |
| 24-month | $500 | 1.25% | 1.25% |
| 36-month | $500 | 1.25% | 1.25% |
| 48-month | $500 | 1.25 | 1.25% |
| 60-month | $500 | 1.25% | 1.25% |
2Annual percentage yield
Minimum balance to open the account: you must deposit $500.00 to open this account. Withdrawal of interest prior to maturity: the annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Fees, if any, could reduce earnings. Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity.
MONEY MARKET DIAMOND SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $250,000+ | 2.37% | 2.40% |
1Variable interest rate subject to change at any time
2Annual percentage yield
MONEY MARKET PLATINUM SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $9,999.99 | 0.15% | 0.15% |
| $10,000 - $24,999.99 | 0.20% | 0.20% |
| $25,000 - $49,999.99 | 0.25% | 0.25% |
| $50,000 - 99,999.99 | 0.75% | 0.75% |
| $100,000.00 or more | 1.73% | 1.74% |
1Variable interest rate subject to change at any time
2Annual percentage yield
MONEY MARKET SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $9,999.99 | 0.15% | 0.15% |
| $10,000+ | 0.20% | 0.20% |
1Variable interest rate subject to change at any time
2Annual percentage yield
OTHER ACCOUNTS
| Account | Rate1 | APY2 | Minimum Balance to obtain APY |
|---|---|---|---|
| Center Savings | 0.10% | 0.10% | $50 |
| Money Market Gold | 0.25% | 0.25% | $25,000 |
| Interest Checking | 0.05% | 0.05% | $500 |
| Earnings Credit (Business Accounts) | 0.30% | 0.30% | N/A |
1Variable interest rate subject to change at any time
2Annual percentage yield