High-Yield Savings Accounts

Save Smarter with a Flexible Money Market Account

With a Money Market Account, you’ll enjoy higher interest rates on your savings, easy access to your funds, and no monthly maintenance fees. It’s the perfect balance of earning potential and flexibility.

What is a Money Market Account?

A money market account is a flexible savings option that offers higher interest rates for members who maintain larger balances. It combines the benefits of a traditional savings account with added features like limited check-writing and easy digital access, making it ideal for building an emergency fund or saving for a major expense.

This account earns tiered interest, meaning the more you save, the more you earn — without any monthly maintenance fees. It provides more earning potential than a basic savings account and greater flexibility than a certificate of deposit.

You can manage your money market account through online and mobile banking, and link it to your checking account for seamless transfers. It also pairs well with a High-Yield Savings Account if you want to diversify your strategy, or as a step up from a Universal Savings Account.

Open to all members, this account helps you grow your savings while maintaining access when you need it most.

Tiered Interest for Higher Balances

No Monthly Maintenance Fees

Access Via Mobile Banking and eStatements

man on phone and laptop opening bank account

How to Open a Money Market Account

Opening your Money Market Account is quick and convenient, with options to apply online or visit a local branch.

Apply online or visit a local branch
Bring your photo ID and Social Security Number
Make your opening deposit by cash, check, debit, or transfer
Enroll in online and mobile banking for easy account access
Track your interest earnings and manage transfers anytime

Average Monthly Balance	Interest Rate	APY
$1,000-$9,999.99	0.50%	0.50%
$10,000-$24,999.99	0.75%	0.75%
$25,000.00 and up	1.00%	1.00%

APY = Annual Percentage Yield

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Frequently Asked Questions

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Yes, to earn the higher interest rates offered by a money market account, you’ll need to maintain a minimum balance. This is typically tiered, meaning higher balances unlock better rates. While there’s usually a minimum opening deposit, there are no monthly maintenance fees regardless of your balance. Falling below the required threshold may reduce the interest you earn, but you won’t be penalized with fees. This setup is ideal for savers who want to grow larger balances while maintaining flexibility.

Yes, money market accounts offer flexible access to your funds, typically allowing a limited number of withdrawals or transfers per month due to federal guidelines. You can access your money through online and mobile banking, at a local branch, or in some cases via check writing. This makes it easier to use the account for emergency funds or larger planned expenses, like a home repair or vacation, while still earning interest.

Interest on a money market account is typically calculated daily and compounded quarterly, allowing your savings to grow steadily over time. The rate you earn depends on your balance, with tiered levels that reward higher amounts with better rates. As your balance increases, you may automatically qualify for the next tier without needing to make changes to the account.

Interest earned is deposited quarterly and visible in your account history. This structure makes the money market account ideal for savers who want to keep their funds liquid while still benefiting from competitive returns. It’s a powerful way to grow idle funds without locking them into a fixed term like a certificate of deposit.

For the most up-to-date rates and tier thresholds, check the savings rates page or speak with a team member at your local branch.

Money market accounts are designed to offer more flexibility than certificates of deposit, but they do come with some withdrawal limitations. Typically, federal guidelines allow up to six certain types of withdrawals or transfers per month, including online transfers, ACH transactions, and checks (if applicable).

ATM withdrawals and in-person transactions at a branch usually do not count toward this limit, giving you added convenience when accessing your funds.

These limits are in place to maintain the account’s classification as a savings product. Exceeding the limit may result in fees or account reclassification. If you need more frequent access to your money, consider pairing your money market account with a Choice Checking Account for day-to-day spending flexibility.

Yes, Money Market Accounts can be opened as joint accounts, making them a convenient option for couples, business partners, or family members who want to save together. Both account holders will have equal access to funds, can contribute to the account, and can manage it through online banking. It’s a smart choice for shared savings goals.

Both accounts offer higher interest than standard savings accounts, but Money Market Accounts may include check-writing privileges and often require higher minimum balances. High-Yield Savings Accounts are better for flexible, frequent deposits with fewer limitations on access. If you want both strong earnings and liquidity, Money Market Accounts provide a nice middle ground.