BUSINESS SAVINGS
Savings That Grow with Your Business
Every business needs more than just a place to keep its money — it needs a plan for growth. Our Business Savings Accounts are designed to help your money grow, be accessible when you need it, and support your goals every step of the way.
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Built for Businesses Big and Small
Whether you’re setting aside your first $1,000 or managing a larger reserve, our savings options are tailored to fit your balance, timeline, and goals.
Business Savings
Designed to help businesses save strategically for taxes, payroll, or unexpected expenses
Sunflower Business Savings
Designed for businesses with higher balances, with industry-leading returns and full liquidity.
All our business savings accounts feature:
Online and Mobile Banking
ATM Card (on request)
Daily Compounding Interest
Automatic Transfers
Business Checking Integration
Access to funds at anytime
Benefits of Business Savings
Tax Reserves
Stay ahead of quarterly payments by setting funds aside - and earn interest while you do.
Rainy-Day Buffer
Prepare for the unexpected with accessible savings set aside for challenging times.
Payroll Planning
Manage seasonal fluctuations or slower periods with savings that help keep payroll on track.
Opportunity Capital
Make the most of high balances – earn more while keeping funds liquid and ready to invest.
Choose the Best Account for Your Business
Business Savings
A simple, flexible way to start savings for your business. Earn interest on your balance and avoid the monthly fee when linked to your First Fed business checking account.
Sunflower Business Savings
Designed for growing businesses, this account offers a flat, market-leading rate with full access to your funds—no tiers, no transaction limits, no hidden fees.
Minimum to Open
$100
$50,000 (new money*)
APY
0.03%
2.75%
Monthly Fee
$7.50 (waived if linked to business checking)
$5.00 (waived with $100 minimum daily balance)
Interest Type
Flat
Flat
Compounding
Daily
Daily
Withdrawals
Unlimited
Unlimited
Online & Mobile Access
Yes
Yes
Auto Transfers from Checking
Yes
Yes
FDIC Insured
Up to $250,000
Up to $250,000
Power Up Your Business Banking with Linked Accounts
Link your First Fed Business Checking and Savings accounts to unlock the full value of your banking relationship. Enjoy a smarter, more streamlined way to manage your money - with automatic transfers, simplified cash flow management, and waived monthly fees. From day one, you’ll experience a more connected, efficient, and seamless way to bank – so you can stay focused on growing your business.
Want to learn more about First Fed business services?
Set up a free consultation with one of our local bankers.
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Business Savings
| Balance | Interest Rate | APY* | Method of Compounding | Minimum Balance to Earn APY |
|---|---|---|---|---|
| Any | 0.03% | 0.03% | Daily | $0 |
Interest Rates Effective: 12/12/2025
Revised: 12/11/2025
*APY is Annual Percentage Yield. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee. $100 minimum deposit to open.
Sunflower Business Savings
| Balance | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Open |
|---|---|---|---|---|
| Sunflower Business Savings | 2.71% | 2.75% | Daily | $50,000 |
Interest Rates Effective: 12/12/2025
Revised: 12/11/2025
1 The annual percentage yield (APY) is variable and may change at the bank’s discretion. New money is described as funds not previously held on deposit at First Fed within the last 30 days. Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after the account is opened. No minimum balance to earn APY. Accounts closed within 90 days of opening will be assessed a $15 early closure fee.
2 Monthly maintenance fee of $5 if balance drops below $100 at any time. If the balance at the time the maintenance fee is assessed is less than $5, a charge will be assessed for the balance, less .01.
Early closure fee of $15 if account is closed within 90 days of opening.