Money Market Account
TOPCU’s Money Market account is a deposit account that has elements of both a savings and checking account, but also pays higher dividend rates than our regular savings and checking accounts. Enjoy rates based on a tiered structure — so the higher your balance, the higher your rate.
This account allows instant access to your funds without any penalties, unlike a certificate of deposit. Withdrawals can be performed at the branch with a teller, at an ATM, with Online Banking via funds transfer, and/or Shared Branching. Members can also request to purchase checks for a Money Market account.
The average daily balance to earn higher dividends is also $2,500.
Money Market Savings Rates
| Tier | APY* |
|---|---|
| $0 – $2,499.99 | 0.01% |
| $2,500 – $9,999.99 | 0.35% |
| $10,000 – $24,999.99 | 0.35% |
| $25,000 – $49,999.99 | 0.65% |
| $50,000 – $74,999.99 | 0.80% |
| $75,000 – $99,999.99 | 1.50% |
| $100,000 – 149,999.99 | 2.25% |
| $150,000 – $174,999.99 | 2.75% |
| $175,000 – $249,999.99 | 3.04% |
| $250,000 and above | 3.30% |
*APY=Annual Percentage Yield. The rate may change any time after the account is opened. Rates are subject to change without notice. Account fees could reduce the earnings on the account. Rates are current as of April 26th, 2024.
Rise high Savings Account
| Tier | APY* |
|---|---|
| $0 - $2,500 | 3.00% |
| $2,500.01 and above | 0.01% |
*APY = Annual Percentage Yield. No minimum balance required. Rise High Yield Savings account annual percentage yield (APY) Rates are subject to change after account opening. 3.00% APY on balances up to $2,500, and 0.01% APY on balances of more than $2,500.01. Rates are current as of April 26th, 2024. and subject to change.