Best Business Money Market Account Rates — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top business money market rates currently available include Community Choice Credit UnionCommunity Choice Credit Union31155 Northwestern Hwy, Farmington Hills, MI 48334 2502A5.0 ★Texas Ratio: 6.60% offering Business Money Market at 4.10% APY, and CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID 83713 2475A5.0 ★Texas Ratio: 10.63% offering Business Money Market Savings Account at 4.00% APY, and Pima Federal Credit UnionPima Federal Credit Union3730 N Stone Ave, tucson, AZ 85705 3204A+5.0 ★Texas Ratio: 2.55% offering Business Money Market at 4.00% APY, and Premier Members Credit UnionPremier Members Credit Union5505 Arapahoe Ave, Boulder, CO 80303A+5.0 ★Texas Ratio: 4.43% offering Money Market Including Business and IRA at 4.00% APY. Savings rates as of June 16, 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: June 16, 2026
Compare the Best Business Money Market Rates Nationwide
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Tiered balance; APY**
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.; APY (Annual Percentage Yield) is accurate as of 05/13/2026. Rates may change without prior notice, before or after the account is opened. Offer expires December 31, 2025. However, offer may be discontinued or changed at any time prior to the expiration date without notice.
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The Money Market Account tier dividend rates and APY as of 5/26/2026 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.
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$250,000 and over
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Min $2500
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Tier: $100,000 and up
APY of 3.75% for a deposit balance of $50,000 or greater
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Earn 3.75% APY1 on your business savings. Accelerate your growth today!
Dividend Distribution: Monthly
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Min $2500
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No minimum deposit required when you open a Business Money Market Account. A balance of $0.01 is required to earn interest.
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Rate is variable and subject to change after the account is open. Rate effective 05/12/2026. APY (Annual Percentage Yield) for High Yield Money Market is 3.40% and interest rate is 3.34% for balances of $100,000.00 and above. The minimum to open a High Yield Money Market account is $100. Fees may reduce earnings. Excessive transfers or withdrawals may result in fees.
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Special Offer; Apply online with just a few clicks and put your business on a better path.
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2.05% APY after the promotion
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Qualifications Required; Subject to Change Daily
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$1,000,000+
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APY of 3.50% for a deposit balance up to $49,999.99
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Qualifications Required: 1) Have no previous member relationship with SAFE Credit Union or have established your membership within the 60 days prior to the Introductory APY account opening; 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution); 3) Maintain a minimum of $2,000 for the first three months from account open date; Introductory APY is limited to one account per tax reporting owner and available to accounts opened by June 30, 2026, who meet the following requirements: 1) Have no previous member relationship with SAFE Credit Union or have established your membership within the 60 days prior to the Introductory APY account opening, 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution), and 3) Maintain a minimum of $2,000 for the first three months from account open date. Once the three-month period has ended, or the balance falls below $2,000, the dividend rate reverts to the standard Level Up Money Market or Business Money Market variable rate in effect at that time. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Monthly fee of $12 waived if average daily balance equals $2,000 or more. Dividends are paid monthly.
Min $2500
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$100,000-$249,999
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New money only. Daily balances at or below $24,999.99 earn an APY of 1.50%. This account has no check writing privileges.
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Eligible clients can earn a 3.25% annual percentage yield (APY) with a new Truist Business Money Market account. Rates may vary based on branch location and whether you open an account in a branch, by phone or online. Interest earned is based on the following ledger balance tiers: Tier 1 - $0.01 to $4,999.99; Tier 2 - $5,000 to $99,999.99; Tier 3 - $100,000 to $499,999.99; Tier 4 - $500,000 to $999,999.99; Tier 5 - $1,000,000 to $4,999,999.99; Tier 6 - $5,000,000 or greater. Tiers 1-6 are eligible for this 3.25% Annual Percentage Yield (APY) variable rate offer. Your new Money Market Account could initially earn a rate lower than 3.25% APY. However, within 10 calendar days of account opening, your eligible account will automatically upgrade to the 3.25% APY rate. The standard interest rate and APY are 0.01% for balances $0.01 and greater. Fees may reduce earnings.
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The Money Market Account tier dividend rates and APY as of 5/26/2026 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.
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Rates are subject to change without notice. APY assumes that dividends are reinvested. Withdrawal of dividends will reduce earnings. Earnings may be reduced if fees are incurred. Please refer to your Depository Agreement and Disclosures for more detailed savings information. Effective 12/22/25.
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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?
- Community Choice Credit Union
Business Money Market — 4.10% APY - CAPITAL EDUCATORS
Business Money Market Savings Account — 4.00% APY - Pima Federal Credit Union
Business Money Market — 4.00% APY - Premier Members Credit Union
Money Market Including Business and IRA — 4.00% APY - Granite Federal Credit Union
Business Builder Money Market — 4.00% APY
More Money Market Rate Options
