For many business owners, today’s economic environment calls for a more thoughtful approach to cash. Interest rates remain elevated, costs continue to fluctuate, and flexibility matters more than ever.
In response, many businesses are holding higher balances than they used to — keeping funds accessible while they navigate uncertainty. The challenge is that much of this cash often sits in low‑earning accounts.
“Businesses want options right now,” says John Arnold, VP of Business Services at AmeriCU Credit Union. “They want access to their money, but they also want it to work harder while it’s there.”
Why Business Money Markets Matter Right Now
A business money market account can offer a practical middle ground — providing competitive earnings without sacrificing liquidity. For businesses holding funds for future investments, operating expenses, or planned growth, it can be a way to earn more while staying flexible.
“A money market isn’t about locking money away,” John explains. “It’s about giving businesses the opportunity to earn more on balances they’re already holding.”
AmeriCU’s Business Money Market Advantage
While AmeriCU is widely recognized for its business lending expertise, its deposit solutions are designed with the same strategic mindset.
“AmeriCU has long been known as a premier lender,” John says, “but many people don’t realize how strong our deposit solutions are. This is one example of how we help businesses make the most of their cash.”
AmeriCU’s Business Money Market accounts feature tiered rates that reward higher balances while keeping funds accessible when they’re needed.
Liquidity Built for How Your Business Operates
Liquidity is critical for your business, and AmeriCU’s Business Money Market is designed with that in mind. Through Business Online and Mobile Banking, you can easily transfer funds between your money market and checking account whenever cash is needed — helping you stay flexible while keeping excess funds earning. It’s a simple, efficient way to manage cash flow without sacrificing access.
Current Business Money Market Rates
| Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|
| $0.01 – $24,999.99 | 1.00% | 1.00% |
| $25,000 – $99,999.99 | 2.00% | 1.98% |
| $100,000 – $249,999.99 | 2.50% | 2.47% |
| $250,000 and up | 3.50% | 3.45% |
*APY = Annual Percentage Yield. This variable rate savings option pays dividends compounded and paid monthly. Rates are current as of 5th May 2026 and are subject to change without notice. Rates may change after account is opened. Fees may reduce earnings on account.
A Smarter Way to Manage Business Cash
In a complex economic environment, having the right tools matters.
“Our focus is on helping business owners make informed decisions,” John adds. “When businesses understand their options, they’re better positioned to stay stable and plan for what’s next.”
To learn more about AmeriCU’s Business Money Market accounts, visit AmeriCU.org and connect with a Business Services representative.
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