Visa
Rewards Credit Card
APR* as low as
11.99%
Real Estate
Biz Loan
APR* as low as
6.49%
Savings
Money Market
APY*—$15K-$250K
3.75%
No-frills account to manage everyday transactions
No per-transaction fees and no minimum balance
Includes Biz Online Banking and Biz Mobile App
Not sure which account is the best fit? Our team is here to help you compare your options and choose the right business savings solutions to reach your goals and solve operational challenges. Contact the Ignite Business Department today!
with a spark of financial freedom
with a spark of financial freedom
11.99%
- Rates as low as 11.99% APR*
- Earn 1% cash back on all purchases
- Credit limits up to $20,000
- 0% APR* Balance Transfer Special
Biz Loan Rates
| Business Loans | APR* | |
|---|---|---|
| as low as | ||
| Business Asset Loan | Contact Us for Rates | |
| Business Signature Loan | Contact Us for Rates | |
| Commercial Real Estate Loan** Limited Time Only! | 6.49% | 5 Year Term, 20 Year Amortization Up to $2,000,000 20% Down Payment Required |
**Commercial Real Estate Loan: Financing available up to $2,000,000 with a minimum 20% down payment required. Offer based on a 5-year term with a 20-year amortization schedule. Actual rate, loan amount, and terms may vary based on creditworthiness and collateral. Property insurance may be required. Offer subject to change or cancellation without notice. Additional restrictions may apply. Equal Housing Lender. Contact Ignite Credit Union for complete details.
Biz Credit Card Rates
| Business Credit Cards | APR* | Balance Transfer APR** |
|---|---|---|
| as low as | ||
| Business Rewards Credit Card 1% Cash Back on all purchases*** | 11.99% | 0% for 12 months** |
**Balance Transfers: The 0% APR applies to balance transfers only and is valid for 12 months from the date of the first balance transfer. No balance transfer fees apply. After the 12-month introductory period, the APR will revert to the standard fixed APR for balance transfers, which ranges from 11.99% APR to as high as 15.99%, based on creditworthiness. Rates are fixed and based on the Prime Rate. Subject to credit approval. Terms and conditions apply. Deposits are federally insured by NCUA.
***1% Cash Back: Business Rewards Credit Cards earn 1.0% cash back on all purchases. No annual fee.
Biz Savings Rates
| Business Savings Accounts | Dividend Rate | APY* | Tier |
|---|---|---|---|
| Regular Savings** | 0.10% | 0.10% | |
| Business Money Market | 3.75% | $15,000 - $250,000 | |
| 2.00% | $250,000.01 - $500,000 | ||
| 0.10% | $500,000.01 - $9,999,999 |
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.
Biz Checking Rates
| Business Checking Accounts | |
|---|---|
| Elemental Checking | Contact Us for Details |
| Luminary Checking | Contact Us for Details |
What is Positive Pay?
ACH Positive Pay is an automated fraud detection tool that is available in Business Online Banking (additional charges may apply). In its simplest form, it is a service that matches the account number, vendor/payee name and the dollar amount of each ACH transaction presented for payment against a list of ACH debits and/or credits previously authorized and issued by the company. All three components of the transaction must match exactly to be automatically paid. Any mismatched transactions are sent for review in online banking so you can select to pay or reject the transaction.
How do I open an Ignite Biz Account?
To open an Ignite CU Business Account, please use the form below to contact us.
How do I join Ignite CU?
Great! We’d love to have you as a member of Ignite Credit Union. Use the button below to contact us today.
Do you offer Business Insurance?
Ignite Credit Union members can save on their insurance with My Member Insurance Agency (MMIA). They offer comprehensive business insurance, including property, liability, commercial auto, umbrella, and other business-specific coverage.
What is Elavon Merchant Services?
Getting paid quickly is one of the most important parts of keeping a business running. Elavon can help improve the checkout process by providing the latest payment technology with features tailored to your industry. Use the button below to contact us for more information about Elavon Business Services.
What is ACH Origination?
ACH Services is available with Luminary Checking
Ignite Credit Union offers business ACH services which include payroll solutions. With the help of Alloya, businesses can handle ACH Origination without needing specialized software. ACH services is available at an additional cost. This service includes:
-
Payroll direct deposit
-
Business-to-business payments
- Direct deposit of federal and state taxes
- Vendor payments and cash management
What is QuickBooks?
QuickBooks is an accounting tool designed to help businesses simplify their finances. Users can track their income and expenses, manage their payroll, create invoices, and more. Ignite Credit Union members using QuickBooks can link their account directly to their online banking for seamless access and added convenience.
How do I log into Biz Online Banking?
To get your login credentials and enroll your Business Account in Online Banking, contact a Member Service Representative at 888.860.6928.
How do I download the Biz App?
The Ignite CU Biz App gives you convenient access to your business accounts so you can bank when and where it works best for you. Enroll in Biz Online Banking. Then download the app.
Money Market Calculator
Money Market accounts typically offer higher interest rates than traditional savings accounts. Enter your balance and APY to see how your savings will grow.