Business Banking

Bank Your Business With Gain

At Gain, we offer checking accounts, savings accounts, and more to help your business thrive.

Business Checking

For the busy business owner, nothing gets the job done like a solid checking account. With a debit card included, you can streamline all your transactions through one account. This is the only account required to begin banking your business with us!

Features:

  • No deposit limits
  • Your first $5000 in cash deposits per month is free (25 cents per $100 thereafter)
  • Up to 150 transactions at no charge (25 cents per transaction thereafter)
  • Free Mastercard® debit card
  • Free Online Banking and Bill Pay 
  • Mobile Banking gives you access to manage your money wherever you are 
  • Nearly 30,000 ATMs nationwide with the CO-OP Network, including 7-Eleven stores

Bank With Us

Ready to Gain Better Banking? The first step in opening one of these accounts is to establish membership.

If you are already a Member, you can add new Savings, Checking, Money Market, and Certificate accounts in Online & Mobile Banking, over the phone, or at one of our branches.

Business Savings

Need a place to store funds while you await your next move? Our Business Savings account has you covered.

Features:

  • Optional addition to your Business Checking account
  • No deposit limits
  • Your first $5000 in cash deposits per month is free (25 cents per $100 thereafter)
  • Earn interest on your business' savings

Table data for Savings Account
 Effective 01/01/2023
Minimum Opening Balance Minimum Balance to Earn Dividends Balance Dividend Rate APY1 Alert Me
$5.00 $100.00 $0 - $99 0.000% 0.00% Receive a notification when this rate changes
$100 and above 0.250% 0.25% Receive a notification when this rate changes
Rates on savings, money market, and checking accounts are variable and may change after the account is opened.
  • 1APY = Annual Percentage Yield

Add a Savings Account when you apply, or once your Business Checking Account is established, you may set up a Savings Account via Online & Mobile Banking, contacting us or visiting one of our convenient branches

Business Share Certificates

Holding some funds and looking for a bigger return? Share Certificates might be right for your business. 

Features:

  • No deposit limit
  • Jumbo Share Certificate with a minimum balance of $100,000 get rates as high as 0.50% APY1.
  • Flexible terms from 6 months up to 5 years

 

Table data for Certificates and IRA Certificate
 6/3/2024
NEW MONEY PROMO CERTIFICATE
Minimum Balance
NEW MONEY PROMO CERTIFICATE
Term
NEW MONEY PROMO CERTIFICATE
Dividend Rate
NEW MONEY PROMO CERTIFICATE
APY1
Alert Me
$10,000 12 months 5.128% 5.25% Receive a notification when this rate changes
PROMO CERTIFICATE
Minimum Balance
PROMO CERTIFICATE
Term
PROMO CERTIFICATE
Dividend Rate
PROMO CERTIFICATE
APY1
Alert Me
$5,000 12 months 4.889% 5.00% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY2 Alert Me
$1,000 6 months 2.472% 2.50% Receive a notification when this rate changes
$1,000 12 months 2.716% 2.75% Receive a notification when this rate changes
$1,000 24 months 2.960% 3.00% Receive a notification when this rate changes
$1,000 36 months 3.203% 3.25% Receive a notification when this rate changes
$1,000 48 months 3.348% 3.40% Receive a notification when this rate changes
$1,000 60 months 3.542% 3.60% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY2 Alert Me
$25,000 6 months 2.716% 2.75% Receive a notification when this rate changes
$25,000 12 months 2.960% 3.00% Receive a notification when this rate changes
$25,000 24 months 3.203% 3.25% Receive a notification when this rate changes
$25,000 36 months 3.348% 3.40% Receive a notification when this rate changes
$25,000 48 months 3.542% 3.60% Receive a notification when this rate changes
$25,000 60 months 3.735% 3.80% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY2 Alert Me
$50,000 12 months 2.960% 3.00% Receive a notification when this rate changes
$50,000 24 months 3.203% 3.25% Receive a notification when this rate changes
$50,000 36 months 3.445% 3.50% Receive a notification when this rate changes
$50,000 48 months 3.687% 3.75% Receive a notification when this rate changes
$50,000 60 months 3.832% 3.90% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY2 Alert Me
$100,000 12 months 3.203% 3.25% Receive a notification when this rate changes
$100,000 24 months 3.445% 3.50% Receive a notification when this rate changes
$100,000 36 months 3.687% 3.75% Receive a notification when this rate changes
$100,000 48 months 3.832% 3.90% Receive a notification when this rate changes
$100,000 60 months 3.928% 4.00%2 Receive a notification when this rate changes
Rates are subject to change without prior notice. Dividends are compounded and credited monthly. Early withdrawal penalties may apply and may reduce earnings and principal. Membership with Gain FCU is required. Certificate will renew as stated in our Truth in Savings Agreement.
  • 1APY = Annual Percentage Yield. New money is considered funds not currently on deposit and those that have not been on deposit with Gain FCU at least 30 days prior to opening of Certificate. Promo offer valid for a limited time only, is subject to change, and can end at any time.
  • 2APY = Annual Percentage Yield

Employee Retirement Accounts 

Help your employees reach their personal dreams and goals. Our Investment Services partners at EnJoy Financial, a professional financial firm, are available to help you put together a comprehensive, fully-customized plan for your employees.

Visit EnJoyFinancial.com

Meet the Founder

Shelby Rothman, CFP®, CPFA, AIF


Much of what you need to know about Shelby can be found in the very name of her business, EnJoy Financial. That uppercase J? It certainly isn’t coincidence or a mistake. Shelby, you see, has a passion for creating financial strategies that help her clients experience true joy as they journey through life.

But Joy also reveals something even more elemental about Shelby — that family is everything to her. Joy is both her middle name and the middle name of her daughter, Marigold. She even says welcoming new clients is like bringing them into the EnJoy family and believes deeply in treating others as she wants to be treated.

Know More about Shelby

 

* EnJoy Financial is a registered representative of Cambridge Investment Research Inc. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer. Member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. CA Insurance License 0C92876. Cambridge does not offer tax advice. Cambridge and EnJoy Financial and Gain Federal Credit Union are not affiliated. Non-deposit investment products are not guaranteed by the credit union, not insured by the NCUA, and may lose value.

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