Best Business Money Market Account Rates — April 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 Community First Credit Union Of FloridaCommunity First Credit Union Of Florida637 N Lee St, Jacksonville, FL 32204 1141A+5.0 ★Texas Ratio: 4.11% offering Business Money Market at 4.50% APY, and Neighbors Federal Credit UnionNeighbors Federal Credit Union12529 Perkins Rd, Baton Rouge, LA 70810A5.0 ★Texas Ratio: 11.49% offering Business Money Market at 4.25% APY, and Community First Credit Union Of FloridaCommunity First Credit Union Of Florida637 N Lee St, Jacksonville, FL 32204 1141A+5.0 ★Texas Ratio: 4.11% offering Business Money Market at 4.25% APY, and WeStreet Federal Credit UnionWeStreet Federal Credit Union9323 E 21st St, Tulsa, OK 74129 1400B4.4 ★Texas Ratio: 22.03% offering Business Money Market at 4.25% APY. Savings rates as of April 12, 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: April 12, 2026
Compare the Best Business Money Market Rates Nationwide
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$10,000 or more
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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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$250,000 - $499,999
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$250,000 and over
Qualifying balance up to $2,499.99
Range: $1,500,000.00 - $99,999,999.99
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Guaranteed for 3 Months
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Guaranteed rate for the first 90 days.
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New Money
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Range: $1,000,000.00 - $1,499,999.99
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Guaranteed for 6 Months; Minimum deposit of $25,000 is required to open the Money Market account and obtain APY. Money Market account fees could reduce earnings. Offer available to new Money Market account customers only. Money Market account interest is compounded daily and credited to your account monthly. Limited time offer.
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Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $250,000 and over
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$5,000,000 And Greater
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Qualifying balance up to $49,999.99
$500,000 & up
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Range: $250,000.00 - $999,999.99
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$100,000-$249,999
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Qualifying balance up to $10,000.00
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$3,000,000 - $4,999,999.99
Qualifying balance up to $1,000,000.00
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?
- Community First Credit Union Of Florida
Business Money Market — 4.50% APY - Neighbors Federal Credit Union
Business Money Market — 4.25% APY - WeStreet Federal Credit Union
Business Money Market — 4.25% APY - Community Choice Credit Union
Business Money Market — 4.10% APY - Pima Federal Credit Union
Business Money Market — 4.00% APY
More Money Market Rate Options
