It doesn't cost you anything to compare us to your current financial institution, but it could cost you hundreds, even thousands not to.
We are committed to providing the financial resources that small and medium sized businesses need to compete in today's marketplace. Brian Peariso, Vice President of Business Development, and his team are dedicated to assisting business clients with their financial needs.
Listed below are just a few of the business products and services we offer:
- Business Mortgage and Construction Loans
- Business Lines of Credit
- Home Equity Lines
- Business Savings and Checking Accounts
- Business Credit and Debit Cards
- Direct Deposit and Payroll Services
- Merchant Credit Card Services
- 24/7 Access via CU@Home
with e-Statements and Speedy, our 24 Hour Telephone
Teller
- Bills@Home,
our Online Bill Pay Service
- Foreign and Domestic Wire Transfers
- Night Deposit and Safe Deposit Boxes
Call us today at 989.754.6575, 888.288.3261, chat
live with a Team One Representative during regular
business hours or email us at
talk2us@teamonecu.org
for more information or to apply.
*Must Maintain a combined account balance relationship
(includes Savings, Checking and Loans) of $500 to avoid
a $5 monthly maintenance fee.
Business
Savings Accounts
Traditional Savings Accounts
Our Savings Account was designed with you in mind. Dividends are calculated daily and paid monthly.
You may access your account information anytime using our convenient electronic services including CU@Home
and SPEEDY, our 24 hour telephone teller.
Investment Accounts
Our Money Market and Prime Money Market products have now been combined to benefit more of our members. With rates as high as 4.50% APY*, a Team One Money Market Account partners high-yield savings with convenient fund access.
Open a Team One Certificate
of Deposit or IRA with as little as $500 and get convenient
terms from 3 months to 60 months to fit your needs.
Business
Checking Accounts
Our NO FEE* Business Checking Account can save you money!
No Monthly Service Fees*
Interest Earned on Average Balances over $1,000 (calculated
daily, paid monthly)
No Per Item Fees/Unlimited Check Writing
Detailed Monthly Statements
Reduced Holds and/or No Nolds on Checks
FREE Access to Your Account 24/7 Using CU@Home
and SPEEDY
ATM/Check Cards for Convenient Account Access
Dividends earned on Business Checking Accounts are calculated
daily and paid monthly. You may access your account information
anytime using our FREE convenient electronic services including
CU@Home and SPEEDY, our 24 hour Telephone Teller.
*Must Maintain a combined account balance relationship
(includes Savings, Checking and Loans) of $500 to avoid
a $5 monthly maintenance fee.
Business
Lending Services
MORTGAGE AND CONSTRUCTION LOANS
We offer business mortgage and construction loans for refinancing,
buying or building, investment or owner occupied. With a business
construction loan, your funds are ready to use when you are
and interest accrues only on the funds that have been drawn.
TERM LOANS
A Term Loan can help you fund permanent asset purchases or permanent
working capital needs. Team One offers fixed or variable rate options,
and flexible collateral options to meet your specific requirements.
LOAN SECURED BY SHARES
This convenient option allows you to borrow against the balance
in your Team One Share Account (Share account funds used as collateral
will be unavailable for withdrawal).
OTHER BUSINESS LOAN OPTIONS
Team One also offers business loans secured by equipment or
inventory.
LINE OF CREDIT
Borrow what you need, when you need it with this convenient,
pre-approved line of credit. With our Line of Credit, your
business has the flexibility to borrow to meet short-term
financing needs. Draw on your line of credit to take advantage
of trade discounts, carry receivable or inventory, purchase
small equipment and successfully manage seasonality in your
sales cycle.
HOME EQUITY
A Home Equity Account can help you meet significant or unexpected
expenses or enable you to take advantage of new business opportunities.
Our Home Equity offers competitive rates, flexibility and
possible tax advantages (consult your tax advisor).
BUSINESS VISA
A Team One Business Visa Platinum
offers businesses the flexibility of a larger line of credit
with fixed rates as low as 9.9% APR and No Annual Fee. Our
Business Visa also offers the capability of tracking and reporting
individual cardholders’ purchases through online reports.
Call us today at 989.754.6575, 888.288.3261, chat
live with a Team One Representative during regular
business hours or email us
at talk2us@teamonecu.org
for more information or to apply.
Business
Convenient Services
Merchant Services
Merchant credit card processing services enables you to accept credit cards as payment from your customers.
Direct Deposit & Payroll Services
Simplify payroll and reduce paperwork by transferring funds electronically into your employee's accounts.
FREE CU@Home, Online Banking with e-Statements
Our secure Online Banking
site allows you to:
24/7 account access
Transfer funds and monitor account balances
View and print checks that have cleared
Pay your bills using Bills@Home, online bill payer
Receive email notification regarding activity on your account
via e-Notices
View transaction histories and monthly statements
Call us today at 989.754.6575, 888.288.3261, chat
live with a Team One Representative during
regular business hours or email us at talk2us@teamonecu.org
for more information or to sign up.
Additional
Business Services
SPEEDY, 24 Hour Telephone Teller
Foreign and Domestic Wire Transfers
Night Deposit
Safe Deposit Boxes
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