High Yield Money Market Accounts
A high yield money market account is a unique savings account that offers a higher yield than traditional savings accounts, making it a smart choice for those looking to grow their savings.
Make your money work for you
WEOKIE's High Yield Money Market account features a competitive, blended-rate structure that rewards your savings starting at just $2,500. This account offers the ideal combination of earning potential and flexibility, with check-writing access and no early withdrawal penalties. The blended-rate system means higher balances automatically earn higher yields, making it perfect for growing your savings while maintaining convenient access to your funds.
Blended-Rate Rewards
Competitive rate structure where higher balances automatically earn higher yields, starting at $2,500 minimum.
Complete Flexibility
Write checks and access funds anytime with no early withdrawal penalties, plus full online and mobile banking.
Low Entry Point
Start earning higher dividends with just a $2,500 minimum daily balance requirement.
Federally Insured
Federally insured by the NCUA up to $250,000 for complete peace of mind on your savings.
High Yield Money Market Calculator
See how your savings can grow with compound interest
Based on balance tiers
Rates applied by tier: 1.50% (first $50k), 2.00% (next $50k), 2.50% (next $150k), 3.00% ($250k+)
$500
10 years
$0
Total Balance
$0
Interest Earned
$0
Total Contributions
Growth Over Time
This calculator is for illustrative purposes only and may not reflect your specific situation. Interest estimates are based on an APY rounded to the nearest hundredth of a percentage point (e.g., 0.01%), while actual calculations may use a finer rounding (e.g., 0.011%), leading to possible variations. Assumptions include principal and interest remaining on deposit and unchanged interest rates. ‘Total Savings’ represents the initial deposit plus estimated interest. Rates and terms may change, and actual returns can vary. Consult a WEOKIE professional for personalized details.
How the Blended Rate Structure Works
Our High-Yield Money Market Account uses a blended-rate structure, which means your balance earns different rates at different levels. As your balance grows, each portion earns a higher rate—so you get rewarded more without losing out on the lower-tier earnings.
Each portion of your balance earns the rate assigned to that tier. Your blended APY is a weighted average based on how much you have in each tier.
This approach helps maximize your earnings as your balance grows.
EXAMPLE: If you deposit $150,000
- First $49,999 earns 1.49%
- Next $50,000 (from $50,000 to $99,999) earns 1.98%
- Remaining $50,001 (from $100,000 to $150,000) earns 2.47%
|
Deposit Tier
|
Rate
|
APY*
|
Portion of Balance Earning This Rate
|
|---|---|---|---|
|
up to $49,999
|
1.49%
|
1.50%
|
Entire balance in this range ($2,500 min. daily balance to earn stated APY)
|
|
$50,000 to $99,999
|
1.98%
|
2.00%
|
Only the portion between $50,000–$99,999
|
|
$100,000 to $249,999
|
2.47%
|
2.50%
|
Only the portion between $100,000–$249,999
|
|
$250,000 and greater
|
2.96%
|
3.00%
|
Only the portion above $250,000
|
*APY = Annual Percentage Yield. APY is a percentage rate that reflects the total amount of interest paid on an account based on the interest rate and frequency of compounding over a year. For this account, the interest rate and APY may change at any time as determined by the Credit Union. The stated APY is a blended rate based on the portion of the balance within each tier. Actual APY may vary depending on the total balance in the account. If the $2,500 minimum daily balance is not met, you may not earn the stated APY. We use the daily balance method to calculate interest, applying a daily periodic rate to the principal in the account each day. Rates and offers are current as of 7/1/25, and are subject to change without notice. $2,500 minimum to open. Membership eligibility is required. All deposits are federally insured by NCUA up to $250,000 per depositor.
How to Open a High Yield Money Market Account
Step 1
Choose Your Method
Apply online in minutes, visit a WEOKIE location, or call 405-235-3030. All methods are quick, secure, and designed to get you earning higher returns fast.
Step 2
Meet the Requirements
Have your government-issued photo ID, Social Security number, and minimum $2,500 opening deposit ready. WEOKIE membership is required, but joining is easy and can be done during the application process.
Step 3
Start Earning Higher Returns
Once approved, you immediately start earning competitive, tiered rates with our blended-rate structure. Access your funds anytime with check-writing privileges, online banking, and mobile banking—all with no early withdrawal penalties.
Flexible options for all your banking needs.
Flexible options for all your banking needs.
"WEOKIE helped me save for a down payment to purchase a home. I am so glad I opened a savings account for this purpose!"
Alex J.
"I recently moved my primary and direct deposit to WEOKIE. My experience has been fantastic!!! Thank you for excellent customer service."
Lisa Johnson
"Opened a new savings and checking account on a Saturday and the process was so easy and painless. Thank you so much for such a great experience!"
Meghan
Guaranteed growth on your terms
Certificate Accounts
that let you add funds anytime.
Earn more and worry less with WEOKIE's Certificate Accounts! Unlike traditional certificate accounts, you can make additional deposits at any time—online, by phone, or in-branch—while still enjoying competitive, fixed rates that are guaranteed throughout your term. Whether you're building an emergency fund, saving for a specific goal, or seeking a low-risk investment alternative to volatile stocks, our certificate accounts offer the perfect blend of security and flexibility. With terms from 3 to 60 months and federal NCUA insurance, you get predictable growth without the risk of losing your principal. Plus, they're available for IRAs to boost your retirement savings!
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