Business 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 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 5/30/2024

TierAnnual Percentage Yield (APY)
Less Than $25,0000.05%
Between $25,000 and $49,999.991.00%
Between $50,000 and $74,999.991.50%
Between $75,000 and $99,999.992.00%
Between $100,000 and $124,999.992.50%
$125,000 or Greater3.00%
2Monthly service charge of $10.00 when $25,000 minimum daily balance is not maintained.
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 Blue and Gold Money Market

This top-shelf money market account earns the highest 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 5/30/2024

ProgramAnnual 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 TierDetermined 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
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

Streamline your business and safeguard your data with our full suite of services, from ACH to wire transfers. 

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.

Debit Cards are included free with all of our accounts!

Use your Bluestone Bank Debit MasterCard® at thousands of locations worldwide to make purchases and get cash back from your personal checking account, or to access ATMs.
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