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Straightforward saving that keeps your money moving.

 

When market rates feel unpredictable, Momentum Money Market offers something rare—peace of mind. With a guaranteed interest rate through a defined time frame, you can earn a competitive return knowing your rate won’t change before the guarantee period ends. You’ll earn interest when your balance is $25,000 or more, and by maintaining a $5,000 balance throughout the month, you can avoid a $15 monthly service fee1.

This account combines the earning power of a money market with the reassurance of rate stability, giving you flexibility without the uncertainty. Your funds remain accessible while your interest rate stays locked, making it an ideal option for short to mid-term savings goals.

  • Guaranteed peace of mind: Lock in a guaranteed interest rate for a defined period— earn a competitive return without worrying about market fluctuations.  

  • Flexible access to your funds: Enjoy the liquidity of a money market account while keeping your rate secure—no long-term commitments required. 

  • Strong earning potential: Earn interest on balances of $25,000+, making it ideal for short to mid-term savings goals where steady growth matters. 

  • Simple, predictable structure: Maintain a $5,000 balance to avoid the monthly fee. 

  • Earn interest up to 3.15% APY1 until June 1, 2026.
  • Direct deposit and secure deposits make managing your money feel effortless.
  • Access your account anytime with secure mobile, online, and telephone banking.

 

Momentum Money Market Rates

Rates effective as of April 6, 2026

Balance Interest Rate APY*
$0 - $24,999  0.00%  0.00%
$25,000 - $49,999 0.60% 0.60%
$50,000 - $99,999 1.09% 1.10%
$100,000 - $249,999 2.52% 2.55%
$250,000 and above 3.11% 3.15%

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  1. APY = Annual Percentage Yield. Minimum Balance to open the account: You must deposit $100.00 to open an account. A minimum balance fee of $15 applies every statement cycle if the balance in the account falls below $5,000 any day of the cycle. Variable Rate Accounts: Published rates are guaranteed until June 1, 2026. Rate may change after this date. Fees may reduce earnings.
  2. Standard carrier messaging or data rates may apply.

For more information on fees see our Consumer Fee Schedule

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