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Treasury Management

Smarter Business Banking Starts Here

Running a business requires focus, flexibility, and reliable financial tools. At Maine State Credit Union, our Treasury Management solutions are designed to simplify how you manage cash, strengthen your financial position, and give you more time to grow your business. We combine powerful digital banking technology with the personalized service only your local credit union can deliver.

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Smart Treasury solutions designed for Maine businesses

Digital Banking & Remote Deposit Capture

Business doesn’t stop at 5 p.m.—and neither should your banking. With Digital Banking, you can monitor accounts, transfer funds, and pay bills anytime, anywhere. Add Remote Deposit Capture, and you can securely deposit checks right from your office, reducing trips to the branch and improving cash flow.

FEATURES INCLUDE:

  • Enjoy on-the-go convenience with Mobile Deposit for business accounts
  • Assign roles and set user permissions
  • Access payment history and Bill Pay reports
  • Make deposits anytime with Remote Deposit Capture

Business Credit Cards

Take control of expenses and empower your team with our Business Credit Cards. From everyday purchases to larger investments, you’ll enjoy flexible limits, competitive rates, detailed reporting, and advanced fraud protection. With simplified expense management, you’ll always know where your money is going.

FEATURES INCLUDE:

  • Set spending limits and manage cards instantly
  • Benefit from competitive business rates
  • Track and control employee expenses
  • Review transactions and make payments through Online Banking

Business Money Market Accounts

Keep your business reserves safe and growing with a Business Money Market Account. Earn tiered dividends at competitive rates, maintain liquidity for operating needs, and access your funds when opportunity strikes. It’s a smart way to put your money to work without locking it away.

Business Money Market Accounts

Effective As of 11/10/2025

Balance TiersDividend RateAPY*
Balance Tiers $2,000.00 – $25,000.00Dividend Rate 1.144%APY* 1.15%
Balance Tiers $25,000.01 – $50,000.00Dividend Rate 1.638%APY* 1.650%
Balance Tiers $50,000.01 – $100,000.00Dividend Rate 2.129%APY* 2.15%
Balance Tiers $100,000.01 – $250,000.00Dividend Rate 2.472%APY* 2.500%
Balance Tiers $250,000.01 – $500,000.00Dividend Rate 3.445%APY* 3.50%
Balance Tiers 500,000.01 & Greater Dividend Rate 3.880%APY* 3.95%

*APY=Annual Percentage Yield.

Health Savings Accounts (HSAs)

Show your employees you care while saving on healthcare costs. Our Health Savings Accounts are easy to manage, tax-advantaged, and a great addition to any employee benefits package. HSAs provide flexibility for your team and long-term value for your business.

Health Savings Account

Effective As of 11/25/2025

Account TypeMinimum BalanceDividend RateAPY*
Account Type Health Savings Account (HSA)Minimum Balance $0.00Dividend Rate 0.747%APY* 0.75%
*APY=Annual Percentage Yield. Rates are subject to change at any time without notice. Distribution of funds made for reasons other than qualified medical expenses may be subject to tax penalties. Please consult your tax advisor for more information.

Discover how we can simplify your cash flow | contact us today!

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What Local Businesses Say About Working with Us

  • Matthew H.
    “There are few companies that truly take the time to explain options and genuinely care about their clients like Maine State Credit Union. My business is 28 years old, and over the years I’ve needed small business loans or lines of credit. I’ve worked with banks and credit unions, but the easiest and most enjoyable experience was with Bruce Harrington at MSCU. He took the time to explain which product was right for me and cared about my business. I’ve had two business loans and one commercial line of credit through Bruce, and I couldn’t be happier. My business is flourishing because of it! Highly recommend them for businesses of any size.”

Financial freedom starts here.

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We Fund What’s Next
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Longtime Waldo County Banker Paul Doody Joins Maine State Credit Union to Support Local Businesses and Drive Growth
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