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Meet with UsBusiness Money Markets
Keep your cash working hard and your access easy with a business money market account. We offer four money market options, each of which earns higher interest rates than a traditional savings account.
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Open at a BranchBusiness Money Market
Want higher interest rates than regular savings, no risk and 24/7 access to your funds? You want a money market account. Our basic account offers the flexibility and accessibility of a personal savings account, plus these added features:
- Fully insured1
- Minimum balance of $2,500 required to earn premium Annual Percentage Yield (APY)
Business Tiered Money Market2
Our new Business Tiered Money Market Account pays increasing interest rates as your balance grows and is designed to pay higher interest when you maintain a minimum balance of $25,0003. You’ll have full access to your funds when you need them and will benefit from automatic interest rate increases as your balance grows into new tiers.
- Fully insured1
- Higher interest rate tiers as balance grows3
Business Tiered Money Market Rates
*Effective as of 9/15/2024
| Tier | Annual Percentage Yield (APY) |
|---|---|
| Less Than $25,000 | 0.05% |
| Between $25,000 and $49,999.99 | 1.00% |
| Between $50,000 and $74,999.99 | 1.50% |
| Between $75,000 and $99,999.99 | 2.00% |
| Between $100,000 and $124,999.99 | 2.50% |
| $125,000 or Greater | 3.00% |
3Interest rate varies dependent upon the Money Market tier and the daily balance maintained.
Business Premium Money Market
You deserve the best of both worlds. That's why we’ve combined the high rate of a short-term CD and the accessibility of a savings account.
- Fully insured1
- Earns interest
- Minimum balance of $25,000 required to earn premium APY
Business Platinum Money Market
NEW Bring your funds to Bluestone for our highest APY and access to your balance without having to commit to a CD term.
Note: Earn this high rate when you open a Business Platinum Money Market with money that is not already held in a Bluestone Bank account.
- Fully insured1
- Earns interest
- Minimum balance of $25,000 required to earn premium APY
Business Blue and Gold Money Market
This top-shelf money market account earns a high rate of interest with optional limited check-writing abilities.
- Fully insured1
- Earns interest
- Minimum balance of $75,000 required to earn premium APY
1All Bluestone Bank deposit accounts are insured by the FDIC up to $250,000 per depositor, with the excess over $250,000 insured by the DIF.
Rates4
*Effective as of 9/15/2024
| Program | Annual Percentage Yield (APY) | Minimum Daily Balance to Earn APY |
|---|---|---|
| Money Market (Daily balances from $10 to $2,499.99 will earn 0.05% APY. Daily balances below $10 will not earn interest.) | 0.100% | $2,500.00 |
| Tiered Money Market (Interest rate varies dependent upon the Money Market tier and the daily balance maintained. Daily balances below $10 will not earn interest.) | Determined by Tier | Determined by Tier |
| Premium Money Market (Daily balances from $10 to $24,999.99 will earn 0.05% APY. Daily balances below $10 will not earn interest.) | 0.150% | $25,000.00 |
| Platinum Money Market (Daily balances from $10 to $24,999.99 will earn 0.05% APY. Daily balances below $10 will not earn interest.) Note: Earn this high rate when you open a Platinum Money Market with money that is not already held in a Bluestone Bank account. | 4.100% | $25,000.00 |
| Blue and Gold Money Market (Daily balances from $10 to $74,999.99 will earn 0.05% APY. Daily balances below $10 will not earn interest.) | 0.200% | $75,000.00 |
4Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Accounts are restricted to residents of Massachusetts and Rhode Island.
Cash Management
Secure, streamlined solutions for your business, from wire transfers to payroll services and beyond. Choose the services you need from our full suite of options.
Business Payroll Services
Through associations with companies that offer business payroll processing, Bluestone Bank can take care of your entire payroll. These services provide comprehensive reports that simplify your record keeping.
