Business Money Market

Strategic Liquidity for Your Business

Rates

  • Optimized Tiered Yields
  • Immediate Capital Agility
  • Sophisticated Digital Oversight
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Maximize Your Idle Cash Without Sacrificing Accessibility.

Our Business Money Market account offers a sophisticated balance of competitive, tiered yields and liquidity, ensuring your capital works as hard as you do.

 

Performance-Driven Yields

Our tiered rate structure rewards higher balances with accelerated earnings. As your business grows, your return on investment scales automatically, providing a powerful vehicle for your short-term reserves.

  • Tiered Dividend Growth: Benefit from higher rates as your balance reaches new milestones.

  • Optimized Capital: Earn market-leading returns while maintaining a $5,000 minimum to sustain your investment.

 

On-Demand Flexibility

Unlike a CD, your capital remains agile. We provide the tools to pivot your funds the moment an opportunity arises.

  • Direct Disbursement: Full check-writing capabilities for seamless transactions.

  • Free Wire Transfers: Facilitate the fast, secure movement of settlement funds and real estate transactions.

  • Service Charges $10 service charge per statement cycle is waived when an average minimum balance of $5,000 is maintained. 

The SMCU Signature Service

Banking locally means getting more than just an account; it means getting a team that knows your name.

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The Unlawful Internet Gambling Enforcement Act, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined Regulation GG, unlawful Internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made". As a member of St. Mary's Credit Union, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.