Business Money Market
Earn More to Grow More
Maximize your earnings with competitive rates while keeping the convenience of accessing your funds anytime without penalty.
Visit a branch to open an account today.
Over-the-Counter Transactions
Unlimited
Dividends
Compounded and paid monthly
Minimum Deposit
$2,500
Monthly Fee
$0
Monthly statements
Custom checks
Free access to your funds:
Great Rates to Grow Your Savings
A UFCU Business Money Market account provides these advantages:
- Earn a higher rate than a regular savings account
- Flexibility to access your funds when you need them, without penalty or restrictions
- Peace of mind that your funds are safe with NCUA federal deposit insurance, up to $250,000 in deposits
- Tiered rates that pay you more as your balances grow
| Money Market Tier | Rate | APY Range | APY Range (with bonus dividend) |
|---|---|---|---|
| $0 to $10,000 | 0.010% | 0.01% | 0.01% |
| $0 to $10,000 w/ Bonus Dividend1 | 0.060% | 0.06% | 0.06% |
| $10,000 to $49,999.99 | 0.150% | 0.01-0.12% | 0.06–0.13% |
| $50,000 to $99,999.99 | 0.499% | 0.12-0.31% | 0.13-0.32% |
| $100,000 to $499,999.99 | 0.995% | 0.31-0.86% | 0.32-0.86% |
| $500,000 to $999,999.99 | 2.472% | 0.86-1.68% | 0.86-1.68% |
| $1,000,000 and Greater | 3.203% | 1.68-3.25% | 1.68-3.25% |
Effective Date: December 15, 2023 (terms subject to change)
1Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member’s checking account.
Our tiered-rate calculation method offers higher rates as your balance increases. The stated interest rate is only paid on the portion of the balance within the specified tier.
Earn a Bonus Dividend
Members can sweeten their Business Money Market savings with an additional 0.05% APY (over the standard rate). The Bonus Dividend rate is earned on the first $10,000 in Business Money Market account deposits.
We’ll automatically apply your bonus dividend rate when you perform at least 10 qualifying checking account transactions* in a single month:
- Use your debit card to make a purchase
- Perform a UFCU Bill Pay transaction
- Deposit your payroll check with Direct Deposit
- Write a check
- Make a deposit
- Transfer money to or from your accounts
- Make a deposit or withdrawal at UFCU through any ATM
Visit your local branch to learn more.
* Checking account transactions that do not qualify for the Bonus Dividend rate are fees, posted dividends, or returned items.
Still Have Questions?
Willing to wait for a higher rate?
Earn 3.25–4.50% APY
Certificates
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Get help for your small business.
Be Prepared
Here's what you'll need to open a UFCU Business account.
Download the Checklist (PDF)