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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

The UltraLink Money Market Accounts

Choosing the right money market account starts with finding an option that aligns with your savings goals. Our money market accounts are designed to help you grow your savings while maintaining convenient access to your funds. With opening minimum deposit requirements ranging from $100 to $499,999 or more, you can select the account that best fits your financial needs and take advantage of competitive rates, flexibility, and security as you work toward your goals..


	Money Market Standard	Money Market Professional	Money Market Premier	Money Market Elite
Best For	Everyday savings seeking flexibility	Customers with $25,000+ looking for enhanced returns	High-balance savers seeking treasury linked growth	Businesses and individuals with $499,999+ maximizing cash reserves
Minimum Opening Balance	$100	$25,000	$249,999	$499,999
Minimum Balance to Earn APY	$2,500 - $24,999.99	$25,000	$249,999	$499,999
APY Rate	0.45%*	3.75% *	4.16%* 1 Year-Treasury	4.37%* 2 Year-Treasury
Requires New Money	No	Yes	Yes	Yes

Important Disclosures: *Annual Percentage Yield (APY) is accurate as of July 31, 2026. Minimum opening deposits and minimum balances to earn the stated APY apply. Rates may require new money which is defined as funds not currently on deposit with Beach Cities Commercial Bank. The Treasury-indexed rates are based on the 1-Year or 2-Year U.S. Treasury Constant Maturity rate, are updated on the first of each month, and may change after account opening. The 3.75% APY introductory rate is available for 6 months from account opening on new Money Market Professional accounts with a minimum opening balance of $25,000. New money required. After the promotional period, the account will earn the standard money market variable rate in effect at that time. Fees may reduce earnings. Deposits are FDIC insured up to applicable limits. Contact the Bank for complete details.