Best Business Money Market Account Rates — May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Top business money market rates currently available include Climate First BankClimate First Bank182 37th Ave N, Saint Petersburg, FL 33704A+5.0 ★Texas Ratio: 0.00% offering Business Money Market at 4.26% APY, and Community Choice Credit UnionCommunity Choice Credit Union31155 Northwestern Hwy, Farmington Hills, MI 48334 2502A5.0 ★Texas Ratio: 7.03% offering Business Money Market at 4.10% APY, and Interra Credit UnionInterra Credit Union300 W Lincoln Ave, Goshen, IN 46526A+5.0 ★Texas Ratio: 1.74% offering Business LINked Money Market Share Account (Business LINked MMSA) at 4.03% APY, and Blue Coast Federal Credit UnionBlue Coast Federal Credit Union1825 S Jefferson St, Perry, FL 32348 5614A+5.0 ★Texas Ratio: 4.37% offering Business Money Market Account at 4.00% APY. Savings rates as of May 4, 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: May 4, 2026
Compare the Best Business Money Market Rates Nationwide
Terms Apply.
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Minimum Balance to earn the 4.00% Annual Percentage Yield
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$250,000 - $499,999
$250,000 - $499,999
Qualifications Required: Maintain a business operating checking account and business money market account; Deposit a minimum of $5,000 in new money to your business checking and/or business money market account; Perform a minimum of five (5) qualifying transactions per month in your business checking account; Offer expires December 31, 2025.
guaranteed through June 2026
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Qualifying balance up to $2,499.99
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Only new money qualifies for the Business Direct Advantage MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
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New Money
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$5,000,000 And Greater
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No service charges or monthly fees.
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Qualifying balance up to $49,999.99
$500,000 & up
$500,000 +
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Qualifying balance up to $249,999
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$3,000,000 - $4,999,999.99
New money only.
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Qualifying balance up to $1,000,000.00
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3.20% on Balances ? $10,000. Then 0.25% on Portion of Balances > $10,000.
Balances $2,000,000-$4,000,000
Up to $2,499
$500,000 +
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National Money Market Rate Trends
Daily national 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 nationwide 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 National 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 national 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?
- Climate First Bank
Business Money Market — 4.26% APY - Community Choice Credit Union
Business Money Market — 4.10% APY - Interra Credit Union
Business LINked Money Market Share Account (Business LINked MMSA) — 4.03% APY - Blue Coast Federal Credit Union
Business Money Market Account — 4.00% APY - InRoads Federal Credit Union
Business Money Market — 4.00% APY
More Money Market Rate Options
