Money Market

The more you save, the higher your dividend rate.

Open an Account

Put your money to work for you.

With a Money Market account, you'll maintain access to your funds while earning compounded interest paid monthly to your account. Tiered rates allow higher returns with higher balances.

View tiers and rates

APY as high as


with no term requirements

No fees with a low minimum balance.

No monthly service fee when you maintain a $2,500 daily balance.

Higher balances earn higher returns.

Earn higher dividends for higher balances with tiered interest rates.

Funds when you need it most.

Access your funds anytime via online banking, check writing, and teller withdrawal.**

Money Market Rates

Tier Average Daily Balance* APY
Tier 1 $0 - $2,499.99 0.50
Tier 2 $2,500.00 - $9,999.99 0.70
Tier 3 $10,000.00 - $24,999.99 1.00
Tier 4 $25,000.00 - $49,999.99 1.25
Tier 5 $50,000.00 - $99,999.99 1.50
Tier 6 $100,000.00 + 1.75

Account Benefits


Monthly Service Fee ($10) is waived if minimum average daily balance of $2,500 is maintained.


Unlike many other investments, you can easily access your money in the branch and through online banking.


Access your account information wherever you are. Download our app to monitor your account on the go.


Tiered interest rates that are higher than a traditional savings account. Get higher dividends for higher balances.

Money Market from Smart Financial

A Money Market account lets you earn a better-than-average interest rate, as long as you maintain a balance of $2,500. Withdraw money regularly, just like a normal savings account.

*Rates effective . Annual Percentage Yield (APY) is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Rates subject to change and apply to the entire balance. Returns are compounded and credited monthly. A $10 monthly service fee will be assessed if the average daily balance is less than $2,500.

**Money Market Accounts are limited to six (6) free withdrawals/transfers per calendar month. A $10 excess draw fee will apply per transaction. Limitations include withdraws initiated by preauthorization, automatic set-up, telephone, online, or overdraft. There is no monthly limit to transfers conducted in person, by mail, or at an ATM.