Money Market

Earn 2.00% APY* on your first $2,000

Your savings should work as hard as you do. Whether you’ve got $100,000, $50,000 or $2,000, you could be earning more with less. As the Artisans of Banking, we appreciate the little things, and unlike your regular savings account, our reverse-tiered money market account gives you the highest rates on the lowest tiers and blends your rate as your balance gets distributed down each different earning tier. Here’s what that means with real numbers:

  • A deposit of $5,000 would earn a blended APY of 1.00%
  • A deposit of $10,000 would earn a blended APY of 0.68%
  • A deposit of $25,000 would earn a blended APY of 0.48%

That means you earn a better rate of return on lower balances, while still having a best-in-market competitive rate on higher balances.

Calculate Your Earnings

Enter your deposit amount and see how much you’ll earn in just 1 year!

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Money Market Earnings Calculator

Deposit range is $0–$99,999,999

Distribution Breakdown
Tiers APY
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This calculator is for illustrative purposes only and does not reflect the actual results of any specific deposit amount.

Reverse Tiered Money Market 101

  • $5 to open the account
  • No minimum balance required – for real, we’re not kidding!
  • Dividends paid monthly
  • Checks available
  • Limit 1 reverse tiered money market account per primary owner
tierAPY*Dividend Rate
$0.00 - $2,0002.00% 2.00%
$2,000.01 - $5,0001.01% to 2.00%0.35%
$5,000.01 - $10,0000.68% to 1.01%0.35%
$10,000.01 - $50,0000.42% to 0.68%0.35%
$50,000.01 - $100,0000.42% to 0.46%0.50%
$100,000.01 - $250,0000.46% to 0.63%0.75%
$250,000 and over0.63% to 1.00%1.00%

Ready to Start Earning More?

If you already have a Premier Members account, log in to online banking and click on the Quick Apply widget.

If you do not have a Premier Members account:

Did you have a consumer money market account with us before January 1, 2017?
See our FAQs below.

Q: I already have a Money Market Account with Premier Members – will my account change?

A: Yes, your account will change to the new account. There is nothing you need to do.

Q: How many Money Market Accounts can I have open?

A: Limit one Money Market Account type per social security number. Members can open an IRA Money Market, Business Money Market tied to a Business account, and Money Market, but are limited to one of each type.

Q: I have multiple Money Market Accounts – will my accounts be consolidated into one?

A: No, if you had multiple Money Market Accounts prior to December 31, 2016 you will keep all of the accounts.

*APY=Annual Percentage Yield. Rates are valid as of 11/01/2022 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. “Blended APY” shown assumes the amount entered is kept in the account for one year. Withdrawing funds before one year will result in a different amount of dividends paid. $5 minimum deposit required to open an account. Limit one Money Market Account type per social security number. Certain withdrawal limits apply to Money Market Accounts, be sure to review your Membership and Account Agreement Disclosure for details.