Savings & CDs
Personal Money Market
The sweet spot between savings and investing: tiered rates that grow as your balance does — with no lock-up period and your entire balance earning the tier rate.
Rates up to
1.66% APY
How the tiers work.
Every dollar in your account earns the rate for its tier — the whole balance moves up together. Cross a threshold and your entire balance earns more.
Open with $500
A low door compared to most money market accounts — and no monthly fee if you keep a $5,000 average daily balance.
Grow across five tiers
From 0.55% APY on day one to 1.66% APY at $1M+. Each tier applies to your entire daily balance.
Stay flexible
No term, no maturity date. Withdraw when you need to (transaction limits apply) — your rate keeps working.
Personal Money Market at a glance
- Monthly fee
- $10 or $0 — waived with a $5,000 average daily balance
- Minimum opening deposit
- $500
- Interest
- Variable, tiered — paid on your entire daily balance
Today's money market tiers.
Current Rates
Personal Money Market — rates published August 17, 2026.
| Account Balance | Interest Rate | APY |
|---|---|---|
| $0.01 – $39,999.99 | 0.55% | 0.55% |
| $40,000 – $99,999.99 | 0.65% | 0.65% |
| $100,000 – $499,999.99 | 0.85% | 0.85% |
| $500,000 – $999,999.99 | 1.40% | 1.41% |
| $1,000,000+ | 1.65% | 1.66% |
$500 minimum to open. Tiered rates apply to your entire daily balance. Rates may change after the account is opened.
Rates may change. Fees may reduce earnings. CD early-withdrawal penalties may apply. See the complete rate sheet for terms and account requirements.
View complete rates and disclosuresComparing savings options? See how the Money Market tiers stack up against our other accounts on thesavings comparison table.
Put your balance in a higher tier.
Open online in minutes, or talk to a local banker about which tier fits your goals.
Questions? 800.467.7216