NO MONTHLY FEES
Monthly Service Fee ($10) is waived if minimum average daily balance of $2,500 is maintained.
ACCESS YOUR FUNDS
Unlike many other investments, you can easily access your money in the branch, through online banking, or by writing a check. 1
Access your account information wherever you are, day or night. Download our mobile app to monitor your account on the go.
TIERED INTEREST RATES
Tiered interest rates that are higher than a traditional savings account. Get higher dividends for higher balances.
Money Market Account*
|Money Market Savings
Earn more with a Money Market Savings Account and still have easy self-service access to your funds. 1
|Minimum Deposit to Open||Monthly Service Charge||Minimum to Earn Interest||Interest Rate|
|$2,500||None if you meet minimum balance requirements 2
||$2,500||Tired Interest Rates|
*If you're a new member and using a Money Market account to establish your Smart Financial membership, you will also have to pay a one-time $5 entrance fee and a $5 opening deposit, in addition to the minimum opening deposit required by the account.
|Money Market Account Rates|
|Effective Date: 02/01/2019|
|Minimum to Open||Minimum Balance||Interest Rate||APY||Minimum to avoid service fee|
|$2,500||$0-2,499.99||.30% on entire balance||.30%||$2,500|
|$2,500.00-9,999.99||.30% on entire balance||.30%|
|$10,000-24,999.99||.50% on entire balance||.50%|
|$25,000.00-49,999.99||.60% on entire balance||.60%|
|$50,000+||.70% on entire balance||.70%|
|$100,000+||1.00% on entire balance||1.00%|