Best Business Savings Account Rates — April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top business savings rates currently available include Beacon Credit UnionBeacon Credit Union136 Northpoint Ave, Huntington, IN 46750 7764A+5.0 ★Texas Ratio: 1.45% offering Business Ownership Share at 6.00% APY, and Beacon Credit UnionBeacon Credit Union136 Northpoint Ave, Huntington, IN 46750 7764A+5.0 ★Texas Ratio: 1.45% offering Ownership Share and Business Ownership Share at 6.00% APY, and Bank of Greene CountyBank of Greene County425 Main St, Catskill, NY 12414A+5.0 ★Texas Ratio: 2.68% offering e-BUSINESS SAVINGS at 5.00% APY, and 1st Security Bank of Washington1st Security Bank of Washington734 Water St, Port Townsend, WA 98368A+5.0 ★Texas Ratio: 2.12% offering Business Optimum Savings at 5.00% APY. Savings rates as of April 27, 2026 according to verified data from MonitorBankRates.
We compared 2,021 business savings rates from 494 banks and credit unions across all 50 states to help you find the best business money market and business savings account rates.
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 27, 2026
Compare the Best Business Savings Rates Nationwide
Applicable Share Certificate dividends exclude HSA and IRA. Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the business membership within previous 12 months. Business accounts only; consumer accounts not eligible.
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Qualifying balance up to $500.00
Standard Rate*; Interest paid monthly and calculated daily based off the end of day balance; 6 withdrawals per month limit
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Call us crazy, but we think your savings account should actually help you save money. That's why we offer 4.00% APY (*annual percentage yield) with no minimums. Plus, you just need $1 to open.
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Now offering a 4.0% APY to Texas businesses.
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Free eStatements; Free Online Banking; Free Mobile Deposits
Intro rate subject to change
New money is described as funds that have not been on deposit in a First Entertainment Credit Union Account within the past 30 days.
For a limited-time earn up to 3.65% APY* when you open a Business Money Market Savings.
Contact your local banker for more details!
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Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
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National Savings Rate Trends
Daily national average APYs for business and standard savings
Daily averages from our database of 8,500+ banks and credit unions — updated every evening.
What Is a Business Savings Account?
A business savings 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 savings 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 Savings 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, integration with business banking software, 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 savings 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 savings 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.
Savings Calculators
Frequently Asked Questions about Business Savings Accounts
What is a Business Savings Account?
Are business savings accounts FDIC insured?
What documents do I need to open a business savings account?
Can a sole proprietor open a business savings account?
How do business savings rates compare to personal savings rates?
How many transactions can I make per month?
What should I look for in a business savings account?
What are the best Business Savings rates right now?
- Beacon Credit Union
Business Ownership Share — 6.00% APY - Bank of Greene County
e-BUSINESS SAVINGS — 5.00% APY - 1st Security Bank of Washington
Business Optimum Savings — 5.00% APY - Greene County Commercial Bank
e-BUSINESS SAVINGS — 5.00% APY - Pitney Bowes Bank
Business Savings Account — 4.25% APY
More Savings Rate Options
