Business Deposit Account Comparison

Compare Sunward dividend rates and estimate your earnings across checking, savings, and certificate options.

Deposit Information

Account Comparison Summary


24-Month Term Certificate	Rate (APY)4.25%	1^st Month Dividend$177.08	1^st Year Dividend$2,166.89	Lifetime Dividend (Certificates Only)$4,427.68
12-Month Term Certificate	Rate (APY)4.15%	1^st Month Dividend$172.92	1^st Year Dividend$2,114.93	Lifetime Dividend (Certificates Only)$2,114.93
9-Month Term Certificate	Rate (APY)3.95%	1^st Month Dividend$164.58	1^st Year Dividend-	Lifetime Dividend (Certificates Only)$1,500.90
6-Month Term Certificate	Rate (APY)3.90%	1^st Month Dividend$162.50	1^st Year Dividend-	Lifetime Dividend (Certificates Only)$982.96
FLEX Account (16 Months)	Rate (APY)3.75%	1^st Month Dividend$156.25	1^st Year Dividend$1,907.56	Lifetime Dividend (Certificates Only)$2,559.46
36-Month Term Certificate	Rate (APY)3.65%	1^st Month Dividend$152.08	1^st Year Dividend$1,855.84	Lifetime Dividend (Certificates Only)$5,776.73
60-Month Term Certificate	Rate (APY)3.56%	1^st Month Dividend$148.33	1^st Year Dividend$1,809.33	Lifetime Dividend (Certificates Only)$9,725.53
48-Month Term Certificate	Rate (APY)3.51%	1^st Month Dividend$146.25	1^st Year Dividend$1,783.51	Lifetime Dividend (Certificates Only)$7,524.91
FLEX Account (16 Months)	Rate (APY)3.51%	1^st Month Dividend$146.25	1^st Year Dividend$1,783.51	Lifetime Dividend (Certificates Only)$2,392.04
3-Month Term Certificate	Rate (APY)3.10%	1^st Month Dividend$129.17	1^st Year Dividend-	Lifetime Dividend (Certificates Only)$388.50
Business Money Maker	Rate (APY)2.02%	1^st Month Dividend-	1^st Year Dividend-	Lifetime Dividend (Certificates Only)-
Business Sweep Account	Rate (APY)0.00%	1^st Month Dividend-	1^st Year Dividend-	Lifetime Dividend (Certificates Only)-
Access Checking	Rate (APY)N/A	1^st Month Dividend$0.00	1^st Year Dividend$0.00	Lifetime Dividend (Certificates Only)-
Basic Checking	Rate (APY)N/A	1^st Month Dividend$0.00	1^st Year Dividend$0.00	Lifetime Dividend (Certificates Only)-
Active Checking	Rate (APY)N/A	1^st Month Dividend$0.00	1^st Year Dividend$0.00	Lifetime Dividend (Certificates Only)-

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APY = Annual Percentage Yield. Calculations in the Checking, Savings & Certificate Calculator are for illustrative purposes only and may differ from your actual dividend earnings. Results are based on the APY and dividend rate in effect at the time of calculation and assume monthly compounding with dividends retained in the account. Any applicable fees, costs, or early withdrawal penalties are not reflected and would reduce earnings.

This calculator does not provide financial or investment advice and does not guarantee eligibility for any Sunward product. Actual APY may vary, as rates and assumptions used are subject to change. Please consult a qualified professional for personalized guidance.

Note: Dividend earnings are generally considered taxable income. Consult your tax advisor regarding your specific situation.

APY = Annual Percentage Yield. Calculations are estimates only and based on current APY with monthly compounding. Actual dividends may differ due to any applicable fees, rate changes, or withdrawals. Earnings may be taxable; consult a tax advisor.

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Build reserves without mixing them into checking

Most businesses keep checking as the operating hub and add a separate reserve vehicle. Pair your checking account with:

Business Money Maker for liquid reserves and planned set asides
Certificates for higher rates after termed time
Business Sweep Account when you need extended insurance for larger balances

Explore reserve accounts

Start with the right operating account

Reserve accounts work best when paired with the right checking tier. Compare Sunward business checking options by monthly activity, then pair your operating account with the reserve strategy that fits your business.

Compare checking accounts