Business Saving Accounts

Build Your Business Savings

Discover flexible savings options to support your business goals and future success.

Grow Your Savings with Confidence

Building a strong financial foundation starts with the right place to save. Our business savings options are designed to help you set aside funds for upcoming opportunities, cushion seasonal changes, and plan for long‑term success. Grow your savings easily with accessible accounts that scale with your business — so you can stay prepared for future business needs.

Benefits of our savings accounts
  • Flexible savings options
  • Competitive interest growth
  • Easy access to funds
  • Support for short‑ and long‑term goals
  • Accounts that scale with your business

Compare Your Business Savings Options

Explore flexible ways to save, invest, and support your employees. Compare business deposit accounts to find the right fit for your goals.
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Business Certificates of Deposit (CDs)

  • Stable, low‑risk savings with predictable interest earnings
  • Competitive fixed rates for guaranteed growth
  • Earn more with longer CD terms
  • Wide range of terms from 1 month to 5 years
  • No setup or maintenance fees
  • $1,000 minimum to open
Learn More
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Business Local Savings Account

  • Competitive interest earned on your entire balance1
  • Unlimited withdrawals with no added fees
  • Open with just a $1 minimum deposit
  • Avoid quarterly fee with $200 average balance1
  • Free Online & Mobile Banking Access2
  • Additional business services available.
Learn More
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Business Money Market

  • Competitive tiered rates that reward higher balances1
  • $1 minimum deposit to open (Business Money Market), $25,000 minimum (Business Premium Money Market)
  • Avoid monthly service fees by maintaining minimum average balances (Business Money Market $2,500, Business Premium Money Market $25,000)1
  • Free Online & Mobile Banking Access2
  • Free debit card for easy access4
  • Additional business services available
Learn More
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Simplified Employee Pension (SEP) IRA

  • Ideal for businesses of any size or self‑employed
  • Employees fully own all SEP IRA funds
  • Competitive interest on entire balance
  • Tax‑deductible contributions for employers3
  • Low‑cost setup with minimal paperwork
  • Flexible annual contributions for cash‑flow control
Learn More
Cafe employee making coffee

Employee Health Savings Accounts (HSAs)

  • Helps attract and retain valuable employees
  • Easy administration with local support
  • Employers save through pre‑tax contributions3
  • Employees enjoy tax‑free saving & spending3
  • Funds stay with employee through job changes
  • Debit card for easy medical payments
Learn More
A construction worker looking into the distance

Business Certificates of Deposit (CDs)

  • Stable, low‑risk savings with predictable interest earnings
  • Competitive fixed rates for guaranteed growth
  • Earn more with longer CD terms
  • Wide range of terms from 1 month to 5 years
  • No setup or maintenance fees
  • $1,000 minimum to open
Learn More
A man with glasses high-fiving a fellow employee

Business Local Savings Account

  • Competitive interest earned on your entire balance1
  • Unlimited withdrawals with no added fees
  • Open with just a $1 minimum deposit
  • Avoid quarterly fee with $200 average balance1
  • Free Online & Mobile Banking Access2
  • Additional business services available.
Learn More
Woman staring into the distance

Business Money Market

  • Competitive tiered rates that reward higher balances1
  • $1 minimum deposit to open (Business Money Market), $25,000 minimum (Business Premium Money Market)
  • Avoid monthly service fees by maintaining minimum average balances (Business Money Market $2,500, Business Premium Money Market $25,000)1
  • Free Online & Mobile Banking Access2
  • Free debit card for easy access4
  • Additional business services available
Learn More
A man and woman having a conversation and smiling

Simplified Employee Pension (SEP) IRA

  • Ideal for businesses of any size or self‑employed
  • Employees fully own all SEP IRA funds
  • Competitive interest on entire balance
  • Tax‑deductible contributions for employers3
  • Low‑cost setup with minimal paperwork
  • Flexible annual contributions for cash‑flow control
Learn More
Cafe employee making coffee

Employee Health Savings Accounts (HSAs)

  • Helps attract and retain valuable employees
  • Easy administration with local support
  • Employers save through pre‑tax contributions3
  • Employees enjoy tax‑free saving & spending3
  • Funds stay with employee through job changes
  • Debit card for easy medical payments
Learn More

1For additional information, including current rates, please contact your local deposit specialist.

2Third party data and text messaging charges and/or internet services may apply. Please contact your provider for details.

3Consult a tax advisor.

4Isabella Bank does not charge for issuing a debit card; however, you may incur transaction fees when you use the card at a merchant or at an ATM.


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Custom Solutions for Your Business

Connect With Treasury Experts

Partner with Isabella Bank’s Treasury Services Team for tailored solutions that help your business manage cash flow, optimize savings, and plan for growth.
Learn More