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Celebrating 70 Years of Service

Business Money Market Account

Dividends up to 2.00% APY*

Give Your Business The Advantage

Maximize your idle cash and grow your savings faster with a Business Money Market Account.
Schedule your appointment to get started today.

Get Started

Key Account Features

 

Tiered Rates to Reward
Higher Balances

 

Personalized Service
Tailored to Your Goals

 

Unlimited Account
Transfers1

 

Digital Banking
Account Access

Business Money Market Dividend Rates
Balance Dividend Rate APY*
$0 - $2,499.99 0.00% 0.00%
$2,500.00 - $24,999.99 0.40% 0.40%
$25,000.00 - $74,999.99 0.55% 0.55%
$75,000.00 - $149,999.99 0.75% 0.75%
$150,000.00 - $249,999.99 1.05% 1.05%
$250,000.00 - $499,999.99 1.45% 1.45%
$500,000.00+ 2.00% 2.00%

*APY=Annual Percentage Yield. The Business Money Market Account is a tiered rate account. The dividend rate for a balance of $50,000 is 0.55% APY. Rates apply to the entire balance, not just the amount over the tier threshold. Dividends are calculated daily and compounded monthly. If the balance falls below $2,499.99 at any point, dividends will be forfeited for the month. Other restrictions may apply. Rates as of 04/15/2024 and can change at any time without notice.

Money Market Earnings Calculator

If your account has 100000 at %

In one year you'd have… with a Gulf Winds Business Money Market Account

Why Business Money Market?

A flexible and rewarding solution designed to help your business.

Are you looking to optimize your business's financial position? A Gulf Winds Business Money Market Account empowers you to make the most of your hard-earned funds without limiting your access or adding risk. 

Our Business Money Market Accounts are safe, insured and tailored specifically to small and medium-sized businesses. You'll be able to maximize your profitability with higher, more competitive return rates on your idle cash and enjoy the liquidity and accessibilty you need for day-to-day operations.

These accounts are best used for:

  • Growing Excess Funds
  • Emergency Savings
  • Large Purchases
  • Future Investments & Expansions

Take your business to the next level. Contact us to get started.

Start Today

Make The Most Of Your Money

Still unsure about a Business Money Market Account? Here's a few more reasons why it's a great business savings option.

Unlimited Transfers

Enjoy the liquidity you need for day-to-day business operations with unlimited transfers to any Gulf Winds account.1

Overdraft Protection

No more overdraft fees! Your Money Market Account can be used for overdraft transfers to a Gulf Winds Business Checking account.

Competitive Earnings

Say goodbye to stagnant savings. Dividends are paid monthly based on the sum of daily interest.

Safe and Secure

Your business's financial well-being is our top priority. Your funds are insured by the NCUA for up to $250,000 per account.2


Dog rescue is constant, and I am always on the go. Gulf Winds provides me consistency and peace of mind while I am dealing with many quick response situations. The online banking is especially user-friendly, and I can get my banking done quickly and easily and move on to the next dog that needs rescued!
Francine, A Place of Hope Small Dog Rescue - President

Business Account Documentation Checklists

Your time is valuable and we want to make things as easy as possible. Please review the below checklists and bring to your appointment all applicable documentation.

  • State issued name registration, if not using Sole Proprietor Name
  • Appropriate identification for all signers
  • Business License AKA Tax Receipt

*When a sole proprietor uses their full name as a business name, they do not need to register their business with the state. However, the SSN of the owner should be used on the account. Agents or other authorized users may also be added as authorized signers on a Sole Proprietorship.

  • Articles of Organization
  • State issued name registration, if not using Sole Proprietor Name
  • Appropriate identification for all signers
  • Employer Identification Number (EIN)

*If LLC is operating under any names other than the LLC registered name (using “Doing Business As”), a State issued Fictitious Name Registration is required.

  • Articles of Organization or Organization meeting minutes
  • Appropriate identification for all signers
  • Employer Identification Number (EIN)

  • Articles of Organization
  • State issued name registration, if not using Sole Proprietor Name
  • Appropriate identification for all signers
  • Employer Identification Number (EIN)

*If LLC is operating under any names other than the LLC registered name (using “Doing Business As”), a State issued Fictitious Name Registration is required.

  • Copy of Partnership Agreement
  • State issued name registration, if not using Sole Proprietor Name
  • Appropriate identification for all signers
  • Employer Identification Number (EIN)

*If LLC is operating under any names other than the LLC registered name (using “Doing Business As”), a State issued Fictitious Name Registration is required.

  • Copy of Partnership Agreement
  • State issued name registration, if not using Sole Proprietor Name
  • Appropriate identification for all signers
  • Employer Identification Number (EIN)

*If LLC is operating under any names other than the LLC registered name (using “Doing Business As”), a State issued Fictitious Name Registration is required.

Additional Business Services

From checking to savings and everything in between—we've got you covered.

Business Checking »
Value-driven features to help you manage your cash flow.

Non-Profit Business Checking »
Special features for non-profit businesses.

Business Share Savings »
The first account you'll open.

Open a Business Money Market Account Today!

Unlock the advantage your business deserves.
Schedule your appointment to get started today.

Get Started


Membership eligibility is required. Business entities must be located within the Credit Union's field of membership. Account opening subject to approval.

*APY is "Annual Percentage Yield." Rate(s) effective as of date indicated by table. Dividends are calculated daily and compounded monthly. If the balance falls below $2,499.99 at any point, dividends will be forfeited for the month.

1 Unlimited Account Transfers references the number of transfers made to or from the Business Money Market Account. Account transfer limits may apply.

2 Business Money Market Account insured at $250,000.