Best Business Money Market Account Rates — July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top business money market rates currently available include Interra Credit UnionInterra Credit Union300 W Lincoln Ave, Goshen, IN 46526A+5.0 ★Texas Ratio: 1.62% offering Business LINked Money Market Share Account at 4.03% APY, and Har-co Credit UnionHar-co Credit Union30 N Hickory Ave, Bel Air, MD 21014 3249A5.0 ★Texas Ratio: 7.51% offering Business Advantage Money Market at 4.00% APY, and WeStreet Federal Credit UnionWeStreet Federal Credit Union9323 E 21st St, Tulsa, OK 74129 1400B4.4 ★Texas Ratio: 20.17% offering Business Money Market at 4.00% APY, and TruistTruist401 E Jackson St, Tampa, FL 33602A+5.0 ★Texas Ratio: 3.63% offering Small Business Money Market Account at 4.00% APY. Savings rates as of July 10, 2026 according to verified data from MonitorBankRates.
We evaluate every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — so you can maximize yield and deposit with confidence.
APYs reflect actual verified offers. Rates subject to change. Last Updated: July 10, 2026
Compare the Best Business Money Market Rates
Qualifications Required: Primary member must have at least one checking account and it must be in good standing; Be enrolled in Interra Online Banking; Elect to receive e-Statements; Tiered rate account. For Business LINked Money Market Share Accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account.
Guaranteed through June 2026. Maximum balance may not exceed $250,000. After June 30th 2026, the rate will default to the posted money market rate at that time. The APY will be based upon your account balance. Available to members who open or maintain a Business Savings Account.
No additional details available.
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
APY = Annual Percentage Yield. Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333.
Bring Your Business Money Market to Beacon
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA.
$250,000
No additional details available.
Min $2500
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APY of 3.75% for a deposit balance of $50,000 or greater
No additional details available.
No additional details available.
No additional details available.
Min $2500
No additional details available.
No additional details available.
No service charges or monthly fees. No minimum deposit required.
No additional details available.
Up to $3,000,000.00
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Tier: $5,000,000 And Greater
No additional details available.
No additional details available.
APY of 3.50% for a deposit balance up to $49,999.99
Business Money Market Account
No additional details available.
Up to $3,000,000.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rate is variable and subject to change after the account is open. Rate effective 05/12/2026. For balances up to $99,999.99, the APY is 0.35% and interest rate is 0.35%. The minimum to open a High Yield Money Market account is $100. Fees may reduce earnings. Excessive transfers or withdrawals may result in fees.
No additional details available.
No additional details available.
No additional details available.
Qualifying balance $1,000,000+
No additional details available.
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
No additional details available.
No additional details available.
Min $2500
No additional details available.
Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
New money only. Variable rate product. Daily balances at or below $24,999.99 earn an APY of 1.50%. No check writing privileges.
No additional details available.
No additional details available.
APY = Annual Percentage Yield. Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333.
Tier: $3,000,000 - $4,999,999.99
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rate is based on the 3-month US Treasury rate minus a margin of 0.50%. Maximum APY will not exceed 5%.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
($2,500 Opening Balance)
No additional details available.
No additional details available.
No additional details available.
Money Market Rate Trends
Daily average APYs for business and standard money market accounts
Compiled from thousands of money market rates across 8,500+ banks and credit unions — updated every evening.
What Is a Business Money Market Account?
A business money market account is a deposit account specifically designed for companies, partnerships, LLCs, and sole proprietors. It earns interest on idle cash while keeping business funds legally separate from personal finances — a critical requirement for liability protection, tax compliance, and clean bookkeeping.
All legitimate business money market accounts at FDIC-member banks are insured up to $250,000 per depositor. Credit union equivalents carry NCUA protection for the same amount. Businesses with balances exceeding coverage limits should consider distributing deposits across multiple institutions.
How to Choose a Business Money Market Account
Beyond the headline APY, evaluate: monthly maintenance fees and how to waive them, minimum balance requirements to earn the advertised rate, ACH and wire transfer capabilities, check-writing privileges, and whether the institution also offers business checking or lending services. MonitorBankRates displays each institution’s Safety Grade, Star Rating, and Texas Ratio so you can assess financial health alongside rate competitiveness.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate business money market account rates directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and Coast-to-Coast Coverage: Our systems constantly monitor the market to provide a complete picture of available business money market yields across the country, featuring a comprehensive mix of community banks, credit unions, and online institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Every product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio.
Deposit Account Calculators
Frequently Asked Questions about Business Money Market Accounts
What is a Business Money Market Account?
Are business money market accounts FDIC insured?
What documents do I need to open a business money market account?
Can a sole proprietor open a business money market account?
How do business money market rates compare to personal savings rates?
How many transactions can I make per month on a money market account?
What should I look for in a business money market account?
What are the best Business Money Market rates right now?
- Interra Credit Union
Business LINked Money Market Share Account — 4.03% APY - Har-co Credit Union
Business Advantage Money Market — 4.00% APY - WeStreet Federal Credit Union
Business Money Market — 4.00% APY - Truist
Small Business Money Market Account — 4.00% APY - 1st Advantage Federal Credit Union
Business Performance Plus Money Market Account — 4.00% APY
More Money Market Rate Options
