Best Business Money Market Account Rates — March 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 4.51% 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 4.50% 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 Athol Savings BankAthol Savings Bank388 Main St, Athol, MA 01331A5.0 ★Texas Ratio: 7.51% offering Xtreme Business Money Market at 4.25% APY. Savings rates as of March 29, 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: March 29, 2026
Compare the Best Business Money Market Rates Nationwide
A monthly $10.00 paper statement fee will be assessed to receive a paper statement.
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Variable Rate
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guaranteed through June 2026
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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.
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$250,000 - $499,999
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$250,000 - $499,999
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$250,000 and over
Range: $1,500,000.00 - $99,999,999.99
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Qualifying balance up to $2,499.99
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$50,000
Minimum deposit to open: $2,500; If balance falls below $2,500, a $25 maintenance fee will be assessed. Maximum account balance is $250,000. If balance exceeds $250,000, Annual Percentage Yield (APY) on entire balance will decrease to 3.50%. Account must be funded with money not currently on deposit with Republic Bank of Chicago within the last 180 days (i.e., new money which has not been held in a Republic Bank deposit account of any kind in the last 6 months).; Other terms and conditions may apply
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Guaranteed for 3 Months
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Guaranteed rate for the first 90 days.
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$499,999.01 minimum balance required to receive the 3.65% APY. The Money Market APY will be paid on the entire balance in your account. Must be opened with money not currently on deposit at Horizon Bank.
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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.
Ideal for businesses seeking to optimize growth and capitalize on interest earnings
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Accounts with $100,000.00 or greater will earn 3.50% APY* during the promotion
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Minimum deposit to open: $2,500; If balance falls below $2,500, a $25 maintenance fee will be assessed. Maximum account balance is $250,000. If balance exceeds $250,000, Annual Percentage Yield (APY) on entire balance will decrease to 3.50%. Account must be funded with money not currently on deposit with Republic Bank of Chicago within the last 180 days (i.e., new money which has not been held in a Republic Bank deposit account of any kind in the last 6 months).; Other terms and conditions may apply
$0.01
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$5,000,000 And Greater
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Range: $250,000.00 - $999,999.99
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$100,000-$249,999
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Ideal for businesses prioritizing capital preservation and financial stability
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National Money Market Rate Trends
Weekly national average APYs for high-yield and standard savings
Compiled from 12,074 current 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 — 4.51% APY - Community First Credit Union Of Florida
Business Money Market — 4.50% APY - Athol Savings Bank
Xtreme Business Money Market — 4.25% APY - WeStreet Federal Credit Union
Business Money Market — 4.25% APY - Neighbors Federal Credit Union
Business Money Market — 4.25% APY
More Money Market Rate Options
