
UnitedOne's Business Team is here for you every step of the way, dedicated to understanding your vision and strive to provide solutions that fit your business needs and dreams.
UnitedOne’s Treasury Management services are built to support your small business goals with flexible account options, secure transaction tools, and convenient access to funds — on your schedule.
Treasury Management solutions help you manage cash flow, optimize liquidity, and protect your assets.
Whether you're launching a new venture or expanding an established operation, our Treasury Management services provide the financial infrastructure so you can stay focused on growth while we take care of the details.
A Primary Share (basic savings) account establishes your business membership with UnitedOne Credit Union.
Secondary Share accounts make great savings vehicles for larger savings goals such as taxes or new equipment, and be sure to ask how our Share Certificates, Money Market, and AchieveOne Money Market accounts can help your savings grow.
Smart savings for smart businesses, grow your business reserves with competitive rates and flexible access.
| Business Money Market | ||
| Minimum to Earn APY* | Dividend Rate | APY |
| Less than $5,000 | 0.030% | 0.030% |
| $5,000 | 0.150% | 0.150% |
| $15,000 | 0.250% | 0.250% |
| $25,000 | 0.349% | 0.350% |
| *There is no minimum balance requirement for the Business Money Market. Balances less than $5,000 receive the same rate as our Primary Share Account. There is no monthly service fee for the Business Money Market. | ||
Geared to higher balances, our Business AchieveOne Money Market* allows you to earn a higher rate of return than our Business Money Market account.
| Business AchieveOne Money Market | ||
| Minimum to Earn APY* | Dividend Rate | APY |
| Less than $25,000 | 0.000% | 0.000% |
| $25,000 | 0.598% | 0.600% |
| $50,000 | 0.797% | 0.800% |
| $75,000 | 1.687% | 1.700% |
| $100,000 | 1.736% | 1.750% |
| $200,000 | 2.227% | 2.250% |
| $500,000 | 2.472% | 2.500% |
| $1,000,000 | 2.716% | 2.750% |
| *Minimum balance requirement of $25,000 to earn the stated APY. No dividends earned on balances less than $25,000. To avoid a $15 monthly fee, you must maintain a balance of $25,000 or more. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. Other fees may apply, please see fee schedule. | ||
Our Business Checking is anything but basic. Manage your business checking and day-to-day cash flow with:
Is someone helping out with the books? Delegate efficiently using our Business Entitlement tool!
Enjoy the convenience and versatility of a Visa Debit Card with your UnitedOne business checking account (subject to approval).

Transactions are posted the following business day by 10:00 a.m.
Saturdays are considered a business day at UnitedOne!
Use our fleet of Personal Teller Machines 24/7 as an ATM or conduct business with a video Teller during extended business hours:
Mon. - Fri: 8:00 a.m. - 6:30 p.m.
Sat: 8:00 a.m. - 1:00 p.m.
Available at our South 10th St. office in Manitowoc and our Superior Ave. and Washington Ave. offices in Sheboygan.
Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at businessloans@UnitedOne.org.
“UnitedOne has absolutely the best member service we have ever experienced. Fast response time with answers to all our questions when it’s needed. They added desktop deposit for remote depositing checks for our business which has been a game-changer in efficiency for our business.”
– Jason of Garage Door Specialty
“Lindsay has been a tremendous help in getting my business loans approved. She's knowledgeable on what is available and gets things done fast with minimal work on my end. Working with her has been nothing but a pleasure. She made getting an SBA loan easy! Thank you, Lindsay and team, for all of your support!”
– Impact Beauty Bar, LLC, of Manitowoc
“Working with Nellie and team on our commercial mortgage was a breeze. They provided all of the information we needed every step of the way and were always very quick to respond when we had additional questions. After closing on the building and opening of our business, they continue to check in and offer help where needed. We will definitely continue working with them on all of our business banking needs!”
– Sunday Dough of Sheboygan
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