Small Businesses Partner with CAMPUS USA Credit Union
Entrepreneurs have a to-do list that’s a mile long when starting a new business. From choosing your business structure to securing permits, every decision matters. Yet one of the most overlooked (and most important) decisions is choosing the right financial partner.
Too often, business owners make quick decisions based on rates alone. While pricing is important, your financial institution should be more than just a bank. CAMPUS USA Credit Union’s Business Team believes it should be a trusted partner because small businesses deserve support that’s local, personalized, and genuinely invested in your growth.
Whether you’re launching a new venture or seeking better support for your growing company, this guide will help you find a financial partner who’s built to serve your business needs.
Character, Values & Support
The right financial partner understands your goals and helps you navigate the ups and downs of business ownership. As you explore your options, ask the following:
- Community Commitment
Is the financial institution invested in supporting local businesses and organizations? CAMPUS USA Credit Union proudly serves local entrepreneurs and gives back through community development, education, and partnerships. - Personalized Service
CAMPUS business members are more than account numbers. You’ll get tailored solutions, fast responses, and a local team that truly understands your market. - Responsiveness
Business doesn’t wait, and neither should you. With CAMPUS, you’ll have real-time access to support—whether in person, online, or over the phone—so you can keep things moving. - Transparency
You work hard for every dollar. CAMPUS is upfront about rates and fees, helping you avoid surprises and budget with confidence.
Tip: Stop by a CAMPUS Service Center and “interview” us, we welcome the chance to learn about your business and share how we can help.
Understanding Your Account Needs
Your checking and savings accounts are the backbone of your business finances. At CAMPUS, we offer flexible, easy-to-manage account options to meet your unique goals.
Business Checking Accounts
Choose from three options based on your transaction volume and average monthly balance:
| Account Type | Best For | Key Benefits | Avg. Monthly Balance Required |
|---|---|---|---|
| Business eChecking | New or small businesses | No interest, low balance requirement, 15 free checks/month | $1,000¹ (otherwise $15/month) |
| Business Checking Plus | Growing businesses | Earn 0.10% APY² on AMB $2,500+, 50 free checks/month | $2,500¹ (otherwise $15/month) |
| Capital Business Checking | High-volume businesses | Earn 0.25% APY³ on AMB $25,000+, unlimited check writing | $25,000¹ (otherwise $25/month) |
| All accounts include optional online banking, mobile deposit, debit cards, and easy access to your funds. 1. Average Monthly Balance requirement waived on business accounts with an active loan. 2. The Dividend Rate and Annual Percentage Yield may change as determined by the Credit Union’s Board of Directors. APY = Annual Percentage Yield. 3. If Average Monthly Balance falls below $25,000 Business Checking Plus limits apply. The Dividend Rate and Annual Percentage Yield may change as determined by the Credit Union’s Board of Directors. APY = Annual Percentage Yield. |
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Business Savings Accounts
Prepare for the unexpected while earning more with your idle funds. CAMPUS offers business savings, money market accounts, and competitive share certificates designed to grow your reserves and support long-term planning.
When choosing a savings solution, consider:
- Liquidity: Access your funds when needed
- Competitive Rates: Earn dividends on your balance
- Low Fees: Maintain value without unnecessary costs
Payment Solutions That Scale with You
Accepting payments shouldn’t eat into your profits. CAMPUS has partnered with Heritage Payment Solutions to offer affordable, flexible merchant services—including storefront, mobile, and online point-of-sale support.
CAMPUS Member-Only Benefits Include:
- No contracts or cancellation fees
- No application fee
- Fixed Interchange pricing
- Use your existing equipment (reprogramming available for $50)
Whether you’re just getting started or upgrading your current solution, CAMPUS makes payment processing simple and secure.
Business Credit Cards
Our business credit cards provide convenience, expense tracking, and financial flexibility. Whether covering office supplies or managing vendor payments, CAMPUS helps you stay in control of your cash flow.
Features to look for:
- Low interest rates
- No or low annual fees
- Expense tracking tools
- Optional employee cards
Plus, responsible use may help strengthen your business credit profile.
Loans & Lines of Credit
Ready to grow your business? CAMPUS offers competitive business lending solutions tailored to your goals—whether you need working capital, new equipment, or room to expand.
We’ll help you find the right product with:
- Fixed and variable rate options
- No prepayment penalties
- Flexible collateral requirements for startups
And because we’re local, your loan decisions happen here, not in another state.
Tip: Be cautious of online lenders offering fast funding with sky-high APRs. CAMPUS will always provide transparent terms you can trust.
Select Employer Group Benefits
Your business and your employees can benefit from becoming a CAMPUS Select Employer Group (SEG)—at no cost to you.
Benefits include:
- Special offers on loans and deposit products
- Free on-site or virtual financial education workshops
- Marketing materials for your team
- A designated Credit Union Coordinator as your personal contact
It’s an easy way to boost morale and support your employees' financial wellness.
CAMPUS Can Help!
At CAMPUS USA Credit Union, we’re proud to support the dreams of local business owners. We offer the tools, guidance, and services you need to build something lasting—backed by a team that genuinely cares.
Visit one of our service centers, check out our business services, or call 800-367-6440 to talk with a CAMPUS business specialist today.
- David Barber, VP of Commercial Lending
dbarber@campuscu.com - TJ Jarvis, Director of Commercial Lending & Community Relations
tjarvis@campuscu.com - Bo Fisher, Commercial Lender
rfisher@campuscu.com
Let’s build something great together.
By CAMPUS USA at 15 Jul 2025, 08:00 AM