Banking Built for Your Business
From checking accounts to SBA loans and cash management tools, ACU gives your business the financial foundation it needs to grow.
Everything Your Business Needs
Checking, savings, lending, and management tools designed for businesses of every size.
Business Checking
No transaction limits and no minimum balance. The $10.95 monthly fee is waived with a qualified ACU Business Visa, line of credit, or loan. Includes free online bill pay and a Visa debit card with EMV chip security.
- Monthly fee waived with a qualifying relationship
- Same-day deposit availability
- 24-hour mobile & online access
Business Savings
Earn a promotional 0.30% APY on balances up to $1,000,000 for the first 12 months. No minimum balance requirements to maintain.
- 0.30% APY promotional rate
- Up to $1M qualifying balance
- $25 minimum to open
Commercial Real Estate
Purchase or refinance investment properties with competitive rates and flexible terms. Customized packages for your real estate goals.
- No application fees
- No prepayment penalties
- Affordable rates & flexible terms
Construction Loans
Finance new construction or building additions with interest-only options during the construction phase. Flexible draw schedules available.
- Interest-only during construction
- Customized financing packages
- Local decision-making
Term Loans
Fund equipment, inventory, or operational expansion with predictable payments and competitive rates. Short and long-term options available.
- Predictable payment schedule
- No prepayment penalties
- Equipment & inventory financing
Commercial Insurance
Protect your business with comprehensive insurance products tailored to your industry. Coverage for property, liability, and more.
- Tailored industry coverage
- Property & liability protection
- Local, personal service
Three Steps to Better Business Banking
Opening a business account with ACU takes about 20 minutes. Our team guides you through every step.
Talk to Our Team
Call 253-964-3113 or schedule an appointment. We will review your business structure and recommend the right account combination.
Gather Your Documents
Bring your EIN, business license, and entity formation documents. Requirements vary by business type. We will walk you through exactly what is needed.
Open and Get to Work
Your account is open, your debit card is ordered, and online banking is ready. Most business accounts are fully active the same day you apply.
SBA Loans Up to $5 Million
ACU's SBA lending program offers longer maturities, lower down payments, and more flexible collateral requirements than conventional business loans. We handle the process from application through closing.
- Maturities of up to 25 years with no balloon payments
- 75-85% loan guarantees depending on loan amount
- No prepayment penalties for loans under 15-year maturity
- SBA 504 loans available for fixed asset financing
Tools to Run Your Business
Streamline operations with ACU's suite of cash management services, from remote deposit to international payments.
Online & Mobile Banking
Check balances, transfer funds, and pay bills from your phone or desktop. Apple Pay supported.
ExploreACH Origination
Expedite vendor payments, process direct deposit payroll, and manage tax payments with secure internet-based tools.
ExploreCard Processing
Accept all major cards with POS, mobile, and eCommerce solutions through our Gravity Payments partnership. No hidden fees.
ExploreRemote Deposit
Snap checks with the ACU Business RDC app or scan them at your desk. Faster deposits, better cash flow, and no trips to the branch.
ExploreBill Pay
Receive and pay bills online. Faster than mailing checks, centralized management, and reduced processing costs.
ExploreSweep Accounts
Automated sweeps keep funds in the highest-yield accounts, prevent overdrafts, and minimize borrowing costs with zero-balance options.
ExploreBusiness Visa
Credit Card
Earn cash back rewards on every purchase with a fixed 16.99% APR and no annual fee your first year. Includes Visa SavingsEdge discounts at participating merchants.
- $100 credit after 5 purchases in first 30 days
- EMV chip security and Verified by Visa
- Purchase Security & Extended Protection
- Auto Rental Collision Damage Waiver included
“ACU's business team provides the kind of personalized service and local decision-making that you just can't find at the big banks. They understand our business and respond fast.”
Built Different from the Start
Member-owned means your deposits fuel local lending, not shareholder dividends. That difference shows up in every rate and every service call.
SBA Loans
SBA loans of up to $5 million help fund real estate, equipment, and working capital, with longer terms than many conventional loans.
No Application Fees
ACU charges no application fees and no prepayment penalties on business loans. What you borrow is what you work with.
Dedicated Business Team
Over 100 combined years of commercial banking experience. You get a named contact, not a ticketing system.
Full Cash Management Suite
ACH origination, remote deposit, sweep accounts, international payments, payroll services, and bill pay. One institution, complete coverage.
NCUA Insured
Business deposits are federally insured by the NCUA up to $250,000. ACU is examined and regulated as a federally chartered credit union.
Serving Business Since 1954
ACU has been banking the military community and South Sound businesses for more than 70 years. Your business is not a new account to us.
Meet the Business Services Team
Experienced bankers dedicated to helping your business start, grow, and thrive. Call us at 253-964-3113.
Patrick Horan
30+ years in banking. Expertise in commercial lending, CRE, and C&I underwriting.
Connect with Patrick on LinkedIn
Sean Agustin
19+ years in banking. Focused on member experience, business development, and community relationships.
Connect with Sean on LinkedIn
Jason Lopez
Nearly 30 years of commercial banking experience. Relationship-focused and hands-on.
Connect with Jason on LinkedIn
Ryan Horan
19 years in commercial banking and lending. Expertise in CRE, C&I, SBA, and small business lending, with a focus on sound credit oversight.
Connect with Ryan on LinkedIn
Renee Martin
35+ years in commercial banking. Expertise in credit, portfolio management, and business development.
Connect with Renee on LinkedInBusiness Banking FAQ
Answers to the questions our business members ask most often. Entry-level business checking at Chase and Bank of America runs $15 to $16 per month with about 20 fee-free non-electronic transactions, per each bank’s published pricing as of September 2026. ACU Business Checking has no transaction limits, and the $10.95 monthly fee is waived with a qualified ACU Business Visa, line of credit, or loan. Business deposit rates effective October 1, 2026.
Disclosures
Business Savings promotional rate: Eligible members earn 0.30% APY on balances up to $1,000,000 for the first 12 months when all qualifying conditions are met (active Business Savings account 12 months old or less, active Business Checking account, and current business loan with ACU). Rate reverts to standard APY if any condition changes. Only one Business Savings may earn the promotional rate. Rates subject to change. Fees may reduce earnings.
Business Checking: $10.95 monthly fee applies to checking accounts that do not have a qualified Business Visa, Line of Credit, or Loan relationship. Same-day availability in most cases; 3-day hold applies to ATM deposits. 30-day ATM hold applies when business is under 30 days old.
NMLS #449181. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. Business deposits insured up to $250,000 per ownership category. Equal opportunity lender.
Your Business Deserves a
Local Banking Partner
No out-of-state call centers, no application fees. Our business services team is right here, and decisions are made locally.