With competitive dividends and convenient access, your savings can grow while still being there when you need it

Savings that grow with you

Whether you’re building an emergency fund or planning your next milestone, a money market account offers steady growth and the confidence of easy access when you need it.

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Earn more with every month

Dividends are compounded monthly, helping your savings build steadily over time and rewarding you for keeping your balance growing.

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Keep more of what you earn

With no minimum balance and no monthly service charge, your money stays focused on growth—not fees.

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Move money when you need to

Transfer funds securely through digital banking. Enjoy up to six transfers or withdrawals per month with no fee.

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Save automatically, without thinking about it

Set up recurring transfers to your Money Market account and build momentum toward your goals—one simple step at a time.

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Flexible access, when it matters

Request one free package of checks through digital banking to use within your monthly transaction limit. 

 

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Stay connected to your savings

Mobile banking, text alerts, eStatements, and digital banking put your account tools right at your fingertips—securely and conveniently.

How to get started with your money market account

Opening a Money Market account is simple. In just a few steps, you can choose the option that fits your savings goals, complete your application, and start putting your money to work.

01
Choose the account that fits your savings

Review the available Money Market options and select the one that aligns with your balance and goals. If you’re unsure, we’re here to help you decide. 

02
Start your application online

Complete your application in just a few steps. We’ll guide you through the process so you can move forward with confidence. 

03
Set everything up in one place

Enroll in online banking and set up transfers so your savings plan is organized, accessible, and easy to manage from day one.

04
Fund your account and start earning

Add your funds and begin earning based on your balance — all while keeping your money accessible for what matters next.

Retail Money Market Account 

Balance Dividend APY* 
$100,000.00 or more 1.98% 2.00% 
$50,000.00 to $99,999.99 1.88% 1.90% 
$25,000.00 to $49,999.99 1.79% 1.80% 
$2,500.00 to $24,999.99 1.49% 1.50% 

APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. 1.50% APY applies to balances up to $24,999.99, 1.80% APY applies to balances of $25,000 to $49,999.99, 1.90% APY applies to balances of $50,000 to $99,999.99, and 2.00% APY applies to balances of $100,000 or more. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.

Feature Money Market Account 

Balance  Dividend  APY*  
Up to $250,000.00 3.397% 3.45% 
Over $250,000.00 0.150% 0.15% 

* APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 3.45% APY applies to balances up to $250,000.00, and 0.15% APY applies to balances over $250,000.00. Additional balance requirements and APY tiers are outlined in the rate table. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. 

High Tier Money Market Account 

Balance Dividend APY* 
$500,000.00 or more 2.96% 3.00% 
$250,000.00 to $499,999.99 2.47% 2.50% 
$100,000.00 to $249,999.99 1.98% 2.00% 
Up to $99,999.99 0.05% 0.05% 

* APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. 0.05% APY applies to balances up to $99,999.99, 2.00% APY applies to balances of $100,000 to $249,999.99, 2.50% APY applies to balances of $250,000 to $499,999.99, and 3.00% APY applies to balances of $500,000 or more. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
Your questions, answered

A Money Market account is designed to help your money earn more while staying accessible. As your balance grows, your earning potential can grow too. It’s a flexible option for members who want higher dividend opportunities without locking up their funds. 

A Money Market account is typically designed for members maintaining higher balances who want the opportunity to earn more dividends while keeping access to their funds. A regular savings account is often used for everyday saving with lower balance requirements. 

Yes. Every Money Market account earns dividends. The amount you earn depends on your account balance and the specific Money Market option you choose. 

Each Money Market account is structured around different savings levels and goals: 

  • Retail Money Market supports everyday flexibility. 
  • Feature Money Market is built to grow with you, offering higher earning potential while keeping your savings accessible for what’s ahead.
  • High Tier Money Market is structured for members maintaining $100,000 or more. 
    Reviewing account details can help you choose the option that aligns with your savings plan. 

Yes. A Money Market account allows access to your funds, though features and transaction limits may vary depending on the specific account type. It’s designed to balance earning potential with accessibility. 

Yes. Each Money Market account may have its own minimum balance requirements to open and maintain the account. Comparing options can help you find the account that fits your financial goals and savings strategy.