Business Money Market
Why Choose a Business Money Market?
Don’t let your business funds sit idle. With an Arkansas Federal Business Money Market, your reserves can earn competitive returns while staying accessible. Use your business checking for daily operations, and let your money market steadily grow the cash you don’t need today—ready to transfer or sweepAutomatic sweeps are available between eligible Arkansas Federal accounts only. External sweeps are not offered. back when you do. The result? A Business Money Market that works as your reserve engine, keeping funds safe while helping them grow.
Reliable Growth
Interest is accrued daily and paid monthly for steady growth.
Tiered Earnings
Higher balances earn higher rates, helping your money grow fast.
Flexible Access
Move funds anytime with transfers or sweepsAutomatic sweeps are available between eligible Arkansas Federal accounts only. External sweeps are not offered. —no limits.
Today’s Rates
| Amount | APY1 |
|---|---|
| $250,000+ | 3.50% APY1 |
| $100,000.00 – $249,999.99 | 3.00% APY1 |
| $50,000.00 – $99,999.99 | 2.50% APY1 |
| Less than $50,000 | 2.00% APY1 |
Business Checking + Money Market:
The Smarter Pair
The smartest way to manage your business cash isn’t keeping all your reserves in your operating account—or choosing between checking or savings. It’s using both together. Your Business Checking keeps everyday spending simple, while your Business Money Market grows reserves behind the scenes. And with automatic sweeps,Automatic sweeps are available between eligible Arkansas Federal accounts only. External sweeps are not offered. surplus funds can move seamlessly out of checking and into your money market to earn more—then transfer back whenever you need them.
| Business Checking (Premier/Choice) | Business Money Market | |
|---|---|---|
| Earnings | Premier:
as high as
2.50%
APY
APY is the Annual Percentage Yield and accurate as of 11/03/2022. Business Premier Checking is a tiered rate product. Balances of $250,000 or greater earn 2.50% APY; balances of $100,000.00 - $249,999.99 earn 2.00% APY; balances of $50,000.00 - $99,999.99 earn 1.75%; balances of $10,000.00 - $49,999.99 earn 1.25% APY; and balances less than $10,000.00 earn 1.00% APY. Offer and rate are subject to change. Some exclusions apply. Refer to the fee schedule for complete details. Fees could reduce earnings. on balances Choice: 10¢ cash back on each debit purchase of $5+ | Rates
as high as
3.50%
APY
APY is the Annual Percentage Yield. Rates are accurate as of 12/23/2025 and subject to change. The 3.50% APY applies to balances of $250,000 or more; balances $100,000 - $249,999.99 earn 3.00% APY; balances of $50,000 - $99,999.99 earn 2.50% APY; and anything less than $50,000 earns 2.00% APY. A minimum daily balance of $1,000 is required to earn dividends. Fees could reduce earnings. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA. with tiered rates (higher balances earn more) |
| Access | Unlimited everyday transactions with debit card, checks, and digital banking | Unlimited transfers/sweeps;Automatic sweeps are available between eligible Arkansas Federal accounts only. External sweeps are not offered. no debit card—ideal for reserves, not daily spend |
| Balance Requirement | $100 to open, no minimum daily balance required | $100 to open, $1,000 minimum to earn dividends |
| Best For | Payments, purchases, and daily operations | Growing reserves and excess cash while keeping it accessible |
Frequently Asked Questions
Can I access my money anytime?
Yes! The former six-withdrawal limit no longer applies. You can make unlimited deposits, transfers, and sweeps,Automatic sweeps are available between eligible Arkansas Federal accounts only. External sweeps are not offered. whenever your business needs them—no limits and no hassle.
What’s the difference between a Business Money Market and a savings account?
Both help your money grow, but a money market typically earns more. It’s the smarter choice for businesses that want higher returns on reserves without losing access.
Is there a minimum balance requirement for a Business Money Market?
No, but you’ll need at least $1,000 to earn on your balance.
What does “tiered earnings” mean?
The more you save, the more you earn. Higher balances qualify for higher dividend rates, so your money can work harder as your balance grows.
Can I use a Business Money Market Account for everyday spending?
Not really. It doesn’t include a debit card and isn’t designed for daily transactions. It’s best to pair it with your business checking and use transfers or sweepsAutomatic sweeps are available between eligible Arkansas Federal accounts only. External sweeps are not offered. to move funds as needed.