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 TierRateAPY RangeAPY Range
(with bonus dividend)
$0 to $10,0000.010%0.01%0.01%
$0 to $10,000 w/ Bonus Dividend1 0.060%0.06%0.06%
$10,000 to $49,999.990.150%0.01-0.12%0.06–0.13%
$50,000 to $99,999.990.499%0.12-0.31%0.13-0.32%
$100,000 to $499,999.990.995%0.31-0.86%0.32-0.86%
$500,000 to $999,999.992.472%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?

Read our Frequently Asked Questions about Money Markets.

Willing to wait for a higher rate?
Earn 3.25–4.50% APY

Just getting started?
Get help for your small business.

Be Prepared
Here's what you'll need to open a UFCU Business account.
Download the Checklist (PDF)

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