Choose the Savings Account that is Right For Your Business

Enjoy peace of mind as all Business Savings accounts are insured by the FDIC

AFFORDABLE

Business Savings

Earn interest with no minimum balance and manage funds online.

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$10

Minimum to open

  • Earns interest
  • No minimum balance required to earn APY*

HIGHER INTEREST RATES

Business Money Market

Competitive interest and limited monthly withdrawals.

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$1,000

Minimum Daily Balance

$1,000

Minimum to open

  • Earns interest
  • 6 monthly withdrawals/transfers
  • $1,000 Minimum Daily Balance required to earn APY*

GUARANTEED RETURN

Business Certificate of Deposit (CD)

Lock in a guaranteed return with terms from 3 to 60 months.

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$1,000

Minimum Daily Balance

$1,000

Minimum to open

  • Earns interest 
  • $1,000 Minimum Daily Balance required to earn APY*

RETIREMENT PROGRAM

Simplified Employee Pension (SEP)

Provide retirement contributions for yourself and your employees.

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  • For more information about establishing a SEP at your company, consult your tax advisor.
  • Should you determine that a SEP would be best for your business, please call 808-946-1400 on Oahu or toll free 1-800-951-8418 and ask to speak to a Retirement Plans Specialist.
*Interest rate and Annual Percentage Yield (APY) subject to change without notice after the account is opened. Fees could reduce earnings on the account. Business Money Market Deposit Account requires customer to have a TS Business Checking Account prior to opening. Business CDs: A penalty may be imposed for early withdrawal.

Benefits of Territorial Savings Accounts

  • Online Banking

    24/7 access to your accounts, securely and easily.

  • 25 Branches

    Serving you at 25 branches across the islands of Oahu, Maui, Kauai, and Hawaii.

  • Interest Rates

    Competitive rates to help your business grow.

  • FDIC Insured

    Enjoy peace of mind that your deposits are backed by FDIC for the maximum legal limits.

Open a Certificate of Deposit (CD) with as little as $1,000

Visit a Branch to open a Business CD

Special Business Certificates of Deposit (CDs)

Annual Percentage Yield (APY) effective June 14, 2026
Term length APY Minimum Opening Balance & to Earn APY
12 Month CD 3.70% $ 10,000*

*Deposited funds must be from another Financial Institution or cash. A penalty will be imposed for early withdrawal

Standard Business Certificates of Deposit (CDs)
Annual Percentage Yield (APY) effective October 30, 2025
Term length APY Minimum Opening Balance & to Earn APY
3 Month CD 2.85% $ 1,000
6 Month CD 3.15% $ 1,000
9 Month CD 3.25% $ 1,000
12 Month CD 3.10% $ 1,000
24 Month CD 2.75% $ 1,000
36 Month CD 2.65% $ 1,000
48 Month CD 2.55% $ 1,000
60 Month CD 2.45%  $ 1,000

A penalty will be imposed for early withdrawal.

Simplified Employee Pension (SEP)

 

Retirement accounts for business owners and their employees

Benefits of SEP

  • Tax-deferred earnings
  • Flexible annual contributions
  • Fosters employee loyalty and retention
  • Save for retirement

How it works

  • Easy to start and administer
  • Incur no fees
  • Business owner can adjust contribution amounts annually
  • Employees can open a SEP-IRA for both employer and their own retirement contributions.
  • Employees own and control their SEP-IRAs, even as employers continue contributing

For more information about establishing a SEP at your company, consult your tax adviser. Should you determine that a SEP would be best for your business, please call 808-946-1400 on Oahu or toll free 1-800-951-8418 and ask to speak to a Retirement Plans Specialist.

Quick Access Services

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Business Checking

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Online Banking

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Business Credit Cards

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