Business > Business Money Market

Business Money Market Accounts

Grow your money with convenience.

Say goodbye to trade-offs

Unleash your business to earn higher interest on savings and enjoy limited check writing options with a dncuBusiness money market account.

MAKE YOUR MONEY EARN MORE
You’ve prepared your organization well — now reap the rewards with higher interest on your savings with an account that works as hard as you do.
KEEP ACCESS TO YOUR MONEY
Make up to 6 withdrawals/debits per month to avoid fees¹ with a maximum of 3 by check or draft.
EASY TO UNDERSTAND AND NO GIMMICKS
There are no minimum withdrawal amounts or other gimmicks with dncuBusiness money market accounts.

Today's Rates

Tiered rates based on account balance. Dividends are compounded monthly and paid monthly.

Business Money Market
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle	Dividend Rate	APY*
DISCLOSURES $2,000 Minimum Balance to Open. Deposit Rates are current as of June 1, 2024. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. *APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. Account uses the average daily balance to obtain APY each monthly statement cycle. The rate may change after account opening (variable rate account).
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $2,000-$9,999.99	Dividend Rate 0.75%	APY* 0.75%
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $10,000-$24,999.99	Dividend Rate 0.80%	APY* 0.80%
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $25,000-$49,999.99	Dividend Rate 1.00%	APY* 1.00%
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $50,000-$99,999.99	Dividend Rate 1.25%	APY* 1.25%
Minimum Average Daily Balance to obtain APY Each Monthly Statement Cycle $100,000	Dividend Rate 1.50%	APY* 1.51%

Frequently Asked Questions (FAQ)

To open a business account, please bring the following information:

The business address and phone number; and if applicable, the business Employer Identification Number (EIN) assigned by the IRS.
Personal identifying information for each person who is an owner of the business or authorized signer on the business account, along with proof of identity such as a driver’s license.
Appropriate documentation that shows the business structure such as a Business License or Operating Agreement.

DNCU will confirm with the New Mexico Secretary of State’s office that the business is registered and considered to be in good standing with their office. DNCU may require additional documentations depending on the type of business and organizational structure.

Please email [email protected] if you have questions around this process.

Yes! dncuBusiness is proud to offer a number of convenient specialty services to our community. Specialty services include:

Cashier’s checks
Debit card / ATM replacements
Debit card international processing
ACH
Remote Deposit Capture
Credit card cash advances
Notary public* (may incur fee)
Document signing
Stop payments and disputes
Reloadable card transactions
Non-member transactions

*All Notarial Acts are performed based upon the sole discretion of the licensed Notary Public of New Mexico.

Notarial Acts we can provide: Acknowledgments, Administer of Oaths and Affirmations, Jurats, and Copy Certifications. Some of the notarial acts that we do provide are subject to change because of our temporary closure of our offices.

Notarial Acts we decline to provide: Wills, POA’s, Surveys, Warranty Deeds or any type of deeds that involve legal property, Divorce Decrees.

Yes, we do. Get all the details on initiating a wire transfer including daily domestic and international deadlines via our Wire Transfers Quick Reference Guide.

Please visit our Rates & Fees page for a comprehensive list of applicable rates and fees.