Sole Proprietor Interest Earned vs Personal Account

We are a sole proprietor.  We have a business checking account.  We also started a separate money market account (different bank) years ago under the business name and EIN.  This money market account is actually our savings (retirement) money.  Since interest rates are going up drastically, we are considering closing the second money market account (business EIN) and reopening a new money market account in our personal names and address with our social security numbers.  This would avoid our savings interest being taxed under the business on Schedule C and getting charged self-employment tax on the interest.  Would this cause a red flag if we were to do this?  Thank you in advance!