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Business Premium Money Market Savings Plus

Grow your business reserves with a premium rate money market account built for the way businesses save.

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Business Premium Money Market Savings Plus Dividend Rate  APY 
$0.01 - $99.99 0.25% 0.25%
$100.00 - $2,499.99 0.25% 0.25%
$2,500.00 - $9,999.99 0.25% 0.25%
$10,000.00 - $14,999.99 0.25% 0.25%
$15,000.00 and Above 3.69% 3.75%

The Business Premium Money Market Savings Plus account is a promotional savings account offering a fixed 3.75% Annual Percentage Yield (APY) on balances of $15,000.00 or more for the first 8 months. To qualify, a minimum of $15,000.00 in new money must be deposited, whether opening a new account or converting an existing Business Premium Money Market Savings account to the Business Premium Money Market Savings Plus account. New Money is defined as funds not on deposit at Elements within the 30 days prior to opening the Business Premium Money Market Savings Plus account. The promotional period begins on the account opening date or, for existing accounts, on the date the required new money deposit is met. For members to receive the promotional terms on existing Business Premium Money Market Savings accounts, you must contact Elements to convert your existing account to a Business Premium Money Market Savings Plus account. Rates are accurate as of July 1, 2026.  The Business Premium Money Market Savings Plus account is a tiered rate account in which the dividends are calculated on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. On the first business day following the last calendar day of the 8th month, the account and promotional APY will automatically convert to the then current non-promotional Business Premium Money Market Savings tier structure. APYs are variable and may change at any time without notice. Additional information for each tier: An APY of 0.25% applies to accounts with balances from $0.01 to $99.99; from $100.00 to $2,499.99; from $2,500.00 to $9,999.99; and from $10,000.00 to $14,999.99. A promotional APY of 3.75% applies to accounts with balances of $15,000.00 and above. Other qualifications may apply. Offer subject to membership approval. Elements reserves the right to modify or discontinue this offer at any time. Fees may reduce earnings. Federally insured by NCUA.

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Business Premium Money Market Savings Plus

Grow your business reserves with a premium rate money market account built for the way businesses save.

HOW IT WORKS

If your business is holding cash at another bank earning less than it should, this is your moment.

The Business Premium Money Market Savings Plus account rewards you for bringing new deposits to Elements with a promotional fixed APY on your full balance for 8 months. After the promotional period ends, your account automatically continues as a standard Business Premium Money Market Savings account. No disruption, no paperwork.

  • Step 1 — Contact the Commercial Team
    Reach out to us at business@elements.org or contact Regina McCabe directly at 317-957-7475. We'll walk you through the process and get your account set up.
  • Step 2 — Bring New Money to Elements
    Deposit at least $15,000 from outside Elements — funds not already on deposit with us — via wire transfer, check, or branch deposit.
  • Step 3 — Start Earning 3.75% APY1
    Once your qualifying balance is in place, your full balance earns the promotional fixed rate. Maintain $15,000 or more for 8 months and watch your reserves grow.

KEY FEATURES

  • Promotional 3.75% APY1 for 8 months on balances of $15,000 or more in new deposits
  • Fixed rate — locked in for the full 8 months, no surprises
  • No lock-in — your funds stay accessible
  • Dividends accrue daily and are paid monthly
  • Can be linked to your Elements business checking as a method of overdraft protection
  • Already have a Business Premium Money Market account? Existing account holders can qualify — just contact us after depositing at least $15,000 in new money from outside Elements.

How to Get Started

Put your extra deposits to work before the promotional rate expires. Contact Regina McCabe at 317-957-7475 or email business@elements.org to get started.

How to Get Started

Ready to put your business deposits to work? Contact Regina McCabe at 317-957-7475 or email business@elements.org to get started.

What are the advantages of a Business Premium Money Market Savings Plus account?

More earnings. No tradeoffs.

The Business Premium Money Market Savings Plus account gives your business a powerful, limited-time opportunity to put idle cash to work without sacrificing liquidity.

You'll earn a fixed 3.75% APY for 8 months on balances of $15,000 or more — a rate that won't fluctuate with the market during the promotional period.

There's no lock-in, and your funds stay accessible throughout. After 8 months, your account automatically transitions to the standard Business Premium Money Market Savings rate tiers. No action required.

How to Get Started

Have $15,000 or more sitting at another bank? Contact Regina McCabe at 317-957-7475 or email business@elements.org — we'll take it from there.

How do I open an account or qualify an existing account?

Getting started is straightforward.

Because this is a business account, opening and qualification happen through our commercial team — not online self-service.

  • To open a new account: Contact Regina McCabe at 317-957-7475, email business@elements.org. Once approved, fund your account with at least $15,000 in new money from outside Elements to activate the promotional rate.
  • To qualify an existing Business Premium Money Market account: Contact us after depositing at least $15,000 in new funds from outside Elements. Our team will make the necessary account updates to apply the promotional rate.

How to Get Started

Getting started takes one conversation. Reach out to Regina McCabe at 317-957-7475 or business@elements.org, and we'll walk you through the process.

What counts as "new money"?

New money is defined as funds from outside Elements — deposits not already held with us at the time of account opening or conversion. To maintain the promotional rate, your balance must remain at $15,000 or above throughout the 8-month period. If your balance falls below $15,000, your account will earn the rate corresponding to the applicable standard Business Premium Money Market Savings tier.

How to Get Started

Don't leave money on the table. Contact Regina McCabe at 317-957-7475 or business@elements.org to open your account and activate your promotional rate.

What fees can I expect?

There is no Monthly Maintenance Service Charge on your Business Premium Money Market Savings Plus account. Every dollar you earn in dividends is yours to keep. As always, fees may reduce earnings — see our full fee schedule for details.

How to Get Started

Your next step is simple — contact Regina McCabe at 317-957-7475 or email business@elements.org, and we'll get your account set up.

What insurance coverage is provided?

Your deposits at Elements Financial are federally insured by the National Credit Union Administration (NCUA) up to $250,000. Elements Financial is a federally insured credit union — your business deposits are safe with us.

How to Get Started

Ready to make your reserves work harder? Reach out to Regina McCabe at 317-957-7475 or business@elements.org to get started today.

Why choose Elements for your business savings?

Because we're a credit union, we return profits to members through higher savings rates, lower loan rates, and fewer fees. Our dedicated commercial team brings the expertise to understand every business's unique needs — and the personal attention you won't find at a big bank.

Headquartered in Indianapolis since 1930, Elements ranks among the top 5% of credit unions nationally. We serve members in all 50 states, with access to 5,600+ shared branches and 85,000+ surcharge-free ATMs worldwide.

How to Get Started

One call is all it takes. Contact Regina McCabe at 317-957-7475 or email business@elements.org to open your Business Premium Money Market Savings Plus account.

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  1. 1 The Business Premium Money Market Savings Plus account is a promotional savings account offering a fixed 3.75% Annual Percentage Yield (APY) on balances of $15,000.00 or more for the first 8 months. To qualify, a minimum of $15,000.00 in new money must be deposited, whether opening a new account or converting an existing Business Premium Money Market Savings account to the Business Premium Money Market Savings Plus account. New Money is defined as funds not on deposit at Elements within the 30 days prior to opening the Business Premium Money Market Savings Plus account. The promotional period begins on the account opening date or, for existing accounts, on the date the required new money deposit is met. For members to receive the promotional terms on existing Business Premium Money Market Savings accounts, you must contact Elements to convert your existing account to a Business Premium Money Market Savings Plus account. Rates are accurate as of July 1, 2026.  The Business Premium Money Market Savings Plus account is a tiered rate account in which the dividends are calculated on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. On the first business day following the last calendar day of the 8th month, the account and promotional APY will automatically convert to the then current non-promotional Business Premium Money Market Savings tier structure. APYs are variable and may change at any time without notice. Additional information for each tier: An APY of 0.25% applies to accounts with balances from $0.01 to $99.99; from $100.00 to $2,499.99; from $2,500.00 to $9,999.99; and from $10,000.00 to $14,999.99. A promotional APY of 3.75% applies to accounts with balances of $15,000.00 and above. Other qualifications may apply. Offer subject to membership approval. Elements reserves the right to modify or discontinue this offer at any time. Fees may reduce earnings. Federally insured by NCUA.