Market Smart

Our Market Smart account is a tiered money market account that pays a higher interest rate on higher account balances. This account is a good investment if you want a competitive rate in exchange for easy access to your money. It is a great savings vehicle for individuals and businesses because it is a low risk investment backed by the FDIC.

A smart alternative to a non-insured money market account

$1,000.00 minimum opening balance

Minimum balance to avoid a $20.00 monthly maintenance fee is $10,000.00

Interest is paid on the following balance tiers:

  • < $10,000.00
  • < $50,000.00
  • < $100,000.00
  • < $250,000.00
  • < $500,000.00 and over

If the balance falls below $10,000.00 any day of the statement cycle, a $20.00 monthly maintenance fee will be assessed.A $10.00 fee will be assessed on any withdrawals in excess of 6 per month, including ATM transactions and POS and ACH debit. Interest and Annual Percentage Yield (APY) may change. Fees may reduce earnings. Contact us or stop by one of our offices to find out what our current rates are. Member FDIC.