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Money Market Account


 

If you want to earn interest but need easy access to your money, our Money Market Account is for you. A Money Market account not only establishes you as a member-owner of Smart Financial but rewards your efforts with higher rates.

 

Account Benefits

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NO MONTHLY FEES

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

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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

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DIGITAL BANKING

Access your account information wherever you are, day or night. Download our mobile app to monitor your account on the go.

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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.

 
 

 

Rates

Money Market Account Rates
Effective Date: Tuesday, August 20th, 2019
Minimum to OpenMinimum BalanceInterest RateAPYMinimum 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%