BUSINESS BANKING
At OMNI, we want to see you and your business succeed and thrive financially. Since we're a not-for-profit credit union, we focus on providing the tools to help you do that. So whether it's products for everyday business banking needs like checking, savings or credit cards, to bigger business goals such as commercial real estate or vehicle loans, merchant services or long-term investment planning, we've got the financial tools you need to help your business grow.
Regular Business Savings
This is a simple and straightforward savings account that is a great choice if you're looking to start a savings program for your business.
Highlights:
- $5 minimum opening deposit
- $100 minimum balance to earn interest
- Unlimited withdrawals
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Regular Business Savings rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Smart Business Savings
This savings account is great choice if you're looking to earn a higher interest rate and have the ability to maintain a higher balance.
Highlights:
- $0 minimum opening deposit
- $1,000 minimum balance to earn interest
- Unlimited withdrawals
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Smart Business Savings rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Health Savings Account
This savings account is a great way to build up your employee benefits as part of your health insurance package. It comes with a free Mastercard® Debit Card which your employees can use to pay for their medical co-payments, office visits, prescriptions and other health related expenses, with the funds deducted directly from this account.
Highlights:
- $0 minimum opening deposit
- $100 minimum balance to earn interest
- Unlimited withdrawals
- Direct Deposit available
- Potential tax benefits for both you and your employees*
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account
is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the
higher your interest rate earned! Health
Savings Account rates | Account Disclosure
Learn more about Health
Savings Account.
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
*Consult your tax advisor for more details.
Certificates of Deposit (CD)
This is a great option if you have a lump sum of money that you'd like to earn higher interest on. Our Certificates of Deposit are safe, secure and earn some of the highest yields in the country. We offer a variety of terms so that you can select the one that works best for your needs.
Highlights:
- Minimum $1,000 balance to earn interest
- Minimum $100,000 balance to earn jumbo interest rates
- Variety of terms from 6* to 60 months
- Automatic renewal at maturity
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. CD rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
*6-month term not available in IRA CD
Money Market
This account is ideal if you want easy access to your funds plus more return for your money, without making a long-term investment.
Highlights:
- $0 minimum opening deposit
- $2,500 minimum balance to earn interest
- Easy access to funds, up to 6 electronic withdrawals per month
Additional Features:
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Money Market rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Basic Business Checking
This is a simple and straightforward business checking account which is ideal for non-profit organizations, clubs and small businesses.
Highlights:
- Account is free when you transact 200 or less check and debit transactions each month
- $0 minimum balance requirement
Additional Features:
This account features free benefits such as e-Statements, Bill Pay, iTalk, Digital Banking, and Mastercard® Easy Savings. Basic Business Checking rates | Mastercard® Guide to Benefits
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Value Business Checking
This checking account features all the perks of a basic checking account, but is best if you have a medium sized business.
Highlights:
- Account is free when you transact 300 or less check and debit transactions each month
- $7,500 minimum balance to earn interest and avoid fees
Additional Features:
This account features free benefits such as e-Statements, Bill Pay, iTalk, Digital Banking, and Mastercard® Easy Savings.. Value Business Checking rates | Mastercard® Guide to Benefits
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
WOW Business Checking
This checking account features all the perks of a Basic Checking account for large businesses with higher transaction volume.
Highlights:
- Account is free when you transact 400 or less checks and debit transactions each month
- $15,000 minimum balance to earn interest and avoid fees
Additional Features:
This account features free benefits such as e-Statements, Bill Pay, iTalk, Digital Banking, and Mastercard® Easy Savings.. WOW Business Checking rates | Mastercard® Guide to Benefits
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Business Loans
We offer all the support and financing options you need, whether you're starting a business or looking for financing to expand an existing business. We offer business loan options for
- Commercial and industrial equipment
- Commercial real estate
- Business lines of credit
Business Platinum Mastercard®
OMNI business owner members can take advantage of the competitive rate and all the benefits that our Business Platinum Mastercard® offers. With no annual fee, online payment option and 25-day grace period on purchases, it's the perfect card for everyday business use.
Highlights:
- Credit limit up to $50,000
- Itemized listing of purchases and cash advances
- Dual name lines on card
- Automatic savings with Mastercard® Easy Savings
- Mastercard® Guide to Benefits
OMNI partners with World Pay to provide complete merchant services which allows your business to accept all major credit cards from your customers. Our members benefit with a group wholesale discount rate that can save you 10% - 30% of your current processing fees and there are no long-term contract requirements.
Autobooks
Send a professional invoice right to your customer's inbox in minutes. Delight your customers with easy online payment options, such as credit card or ACH. You'll be able to see who paid their invoice, and who is past due. Learn more about Autobooks.
Investment Services
At OMNI, we are committed to helping our members make their businesses thrive. That's why we provide access to an OMNI Community Credit Union Financial Advisor who is part of Cetera Advisors Networks LLC. They are available to provide assistance with small business planning, setting up a 401k or other business investment needs.
Securities and advisory services offered through Cetera Advisor Networks LLC., member FINRA, SIPC. Cetera is under separate ownership from any other named entity. Cetera Advisor Networks LLC nor any of its agents or representatives give legal or tax advice. Check the background of this investment professional of FINRA's BrokerCheck. NOT NCUA/NCUSIF INSURED • NOT A DEPOSIT • NO CREDIT UNION GUARANTEE • MAY LOSE VALUE • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • Privacy Policy• Disclosures• Registered Address: 3141 Capital Ave. SW, Battle Creek, MI 49015. This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor. For additional information please contact the advisor(s) or visit the Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com.
Member Owned Businesses
Commitment to our community and the businesses within are a top priority for us. Take a look at what some of our member business owners have to say about their journey and the way that we are here to help.
The Culver's Story
By Micheal Miller
| The Culver's StoryBy Micheal Miller |
Banking online or by phone is quickly becoming the preferred way to bank. That's why we offer a variety of account access services so you can bank whenever, wherever.
Digital Banking
Manage your accounts online 24/7 from anywhere you have internet access. You can view your account and credit card statements, account history and transactions, transfer funds, pay bills and much more all from your computer. Learn more about Digital Banking.
Digital Banking App
Access your accounts by phone to transfer funds between accounts, make a loan payment, make stop
payments and more. Learn more about
Digital Banking.
Bank By Phone - iTalk
Access your accounts by phone to transfer funds between accounts, make a loan payment, make stop payments and more. Contact us to learn more. iTalk toll free: 866-487-7715 or iTalk local: 269-441-3100
E-Statements
Electronic statements are delivered to you each month and are accessible through our Digital Banking service. This features less waste (no more paper statements) and is safe, secure and archived for your convenience. Contact us to learn more.
Online Bill Pay
Easily schedule and pay bills online through Digital Banking for free. Imagine, you'll no longer need to buy stamps to mail out your payments. You'll have easy online access to your payment history which makes managing accounts that much easier. How to get started with Online Bill Pay.
ATM/Debit Cards
Our Mastercard® Debit Card lets you make purchases at millions of locations worldwide, wherever the Mastercard® logo is accepted. Use your debit card to pay for goods and services and the funds come directly from your checking account. You can also use this card as an ATM card, making deposits, withdrawals and transfers. If you prefer, we also offer a traditional ATM card which enables you to make deposits, withdrawals and transfers via ATM.
CO-OP ATM Locator
CO-OP Network ATMs. Access your accounts at thousands of surcharge-free ATMs nationwide.
We are dedicated to providing all the products and services to make banking with us easy. That's why we also offer a variety of convenience services to our members.
Digital Wallets
Now you are able to pay with a single touch using your OMNI Mastercard® Debit Card or Platinum Mastercard® Credit Card with digital wallets on your smart device. Pay in stores with a single touch wherever you see a logo for Apple Pay®, Google Pay®, Samsung Pay®, or Garmin Pay®. Learn more about Digital Wallets.
Wire Transfers
We offer domestic and international wire transfer service. Contact us to learn more.
Check Images
Access digital images of your checks through Digital Banking. You can view, print or download copies of paid checks from your current and prior two statement cycles free.
Autobooks
Send a professional invoice right to your customer's inbox in minutes. Delight your customers with easy online payment options, such as credit card or ACH. You'll be able to see who paid their invoice, and who is past due. Learn more about Autobooks.
| Effective 10/02/2023 | Rates and Terms are subject to change. |
| REGULAR / SPECIAL / SENIOR SAVINGS ACCOUNT RATES | |
|---|---|
| $100 to $4,999.99 | 0.025% APY |
| $5,000 to $9,999.99 | 0.075% APY |
| $10,000 and up | 0.100% APY |
| SMART SAVINGS ACCOUNT RATES | |
|---|---|
| $1,000 to $9,999.99 | 0.050% APY |
| $10,000 to $24,999.99 | 0.100% APY |
| $25,000 to $49,999.99 | 0.125% APY |
| $50,000 and up | 0.150% APY |
| MONEY MARKET ACCOUNT RATES | |
|---|---|
| $2,500 to $24,999.99 | 0.250% APY |
| $25,000 to $49,999.99 | 0.300% APY |
| $50,000 to $99,999.99 | 0.350% APY |
| $100,000 to $199,999.99 | 0.500% APY |
| $200,000 and up | 0.600% APY |
| HEALTH SAVINGS ACCOUNT RATES | |
|---|---|
| $100 to $2,499.99 | 0.000% APY |
| $2,500 to $4,999.99 | 0.000% APY |
| $5,000 to $9,999.99 | 0.050% APY |
| $10,000 to $24,999.99 | 0.100% APY |
| $25,000 to $49,999.99 | 0.125% APY |
| $50,000 and up | 0.150% APY |
| BUSINESS CHECKING ACCOUNT RATES | |
|---|---|
| $0 to $7,499.99 | 0.000% APY |
| $7,500 and higher | 0.050% APY |
| $15,000 and higher | 0.100% APY |
| CERTIFICATES OF DEPOSIT RATES | |
|---|---|
| 6 Month (Not available in IRA CD) | 0.600% APY |
| 9 Month Special | 4.250% APY |
| 12 Month | 0.750% APY |
| 14 Month Special | 4.000% APY |
| 24 Month | 0.850% APY |
| 26 Month Special | 3.750% APY |
| 36 Month | 1.050% APY |
| 48 Month | 1.150% APY |
| 60 Month | 1.400% APY |
| JUMBO CERTIFICATES OF DEPOSIT RATES | |
|---|---|
| 6 Month (Not available in IRA CD) | 0.850% APY |
| 12 Month | 1.000% APY |
| 24 Month | 1.100% APY |
| 36 Month | 1.300% APY |
| 48 Month | 1.400% APY |
| 60 Month | 1.650% APY |