Business Savings Accounts

Put your excess funds to work and save for future business investments.

Set Aside Funds for Future Success

Grow your money and achieve the loftiest of goals with a Business Savings account. Earn interest and have cash available for unexpected expenses, or store money away for a future business expansion.

Visit a Branch to Open a Business Savings Account

Make Progress on Your Goals

Hold funds aside in an easy-to-access business savings account. Link your HVCU Value or Enhanced Business Checking Account and avoid the inconvenience of overdrafts. Prepare for unforeseen expenses with secure access to your reserves when you need them.

There’s No Such Thing as Excess Capital

Just funds that can work harder. One of our dedicated business relationship experts can help you start saving or establish overdraft protection.

Book an Appointment

Open a Business Savings Account

If you live, work, worship, attend school, volunteer, or run a business in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County, you can open a business savings account at HVCU.

All businesses must provide an Employer Identification Number (EIN) or Social Security Number (SSN), for Sole Proprietors.

Business Documentation
Vary based on business structure, but generally include business formation documents, and certificate of assumed name.

Government Issued ID
Personal identification such as a Driver’s License or passport is required.

Visit a Branch to Open a Business Savings Account

Explore Other Ways to Reach Your Business Goals

Business Certificates

Business Certificates
Save for future business expenses and projects. Competitive rates on higher balances and longer term periods.


Tiered Money Market

Tiered Money Markets
Convenient way for you to maximize business earnings while maintaining flexibility. Higher balances earn higher interest.


Business Checking

Business Checking
Manage payables and receivables with a simple, easy-to-use business checking account.


Your Money Is Protected

Accounts at HVCU are Federally Insured for up to $250,000. Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Visit to learn more about your Share Insurance Coverage.

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What Your Neighbors Are Saying

  • Image of Smiling Female
    HVCU Member
    18 Years
    I appreciate the personalized service and ease of access to banking resources.

    Rating star-5 out of 5 stars.
  • Image of Male Professional
    HVCU Member
    3 Years
    For small business it was great and super easy.

    Rating star-4 out of 5 stars.
  • Image of Black Male Professional
    HVCU Member
    11 Years
    Friendly, professional, and easy to use.

    Rating star-5 out of 5 stars.
  • Image of Male Farmer
    HVCU Member
    1 Year
    The CU is very well established and is a very good financial institution.

    Rating star-5 out of 5 stars.
  • Image of Smiling black woman
    HVCU Member
    2 Years
    Friendly, professional, great branch experience. Hassle free car loan, very easy to do business with.

    Rating star-5 out of 5 stars.

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Important Legal Disclosures & Information

1The minimum requirement of par value for a membership share is $0.01 deposited into a primary savings account. An average daily balance of $0.01 is required to maintain membership.