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Money Market Accounts

The Smart Money Market Account offers premium dividend rates for members who keep very large balances and incremental high rates while maintaining access to funds.

Account Features:

  • Interest bearing (Dividends are calculated based on the Average Daily Balance and are paid monthly)
  • No monthly service charge ($10 if balance falls below $2,500)
  • Limited check writing capabilities*
  • Online Banking access
  • SmartLine access
Money Market Account Details  Account Requirements
Minimum Opening Balance $2,500
Monthly Service fee  $10 Monthly Service Charge, waived if minimum average daily balance of $2,500 is maintained


Money Market Account Rates
Effective Date: 02/01/2019
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%  

To open an account, please visit a branch.

*Unlimited withdrawals in person or by mail. A maximum of six withdrawals may be made per month through SmartLine, automatic transfer, Virtual Branch, or telephone request. A maximum of three of these withdrawals may be made by check.