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                High Yield Money Market Accounts

                A Smarter Way to Save - With Higher Returns and Greater Flexibility

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                Make your money work for you

                 

                What is a High-Yield Money Market Account? A 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. Unlike regular savings accounts, money market savings accounts often come with a higher minimum balance requirement but reward you with competitive interest rates.

                How Can You Benefit? A WEOKIE High-Yield Money Market Account provides several advantages:

                  • Competitive, Tiered Rates: Earn higher yields as your balance grows.

                  • Check-Writing Access: Enjoy liquidity without sacrificing returns.

                  • Convenient & Flexible: No deposit limits or early withdrawal penalties.

                  • Low Minimum to Earn: Start earning dividends with just a $2,500 balance.

                  • Easy Account Management: Access and manage funds anytime via online and mobile banking.

                  • NCUA-Insured: Your funds are protected up to $250,000.

                  • Stronger Returns Than Standard Savings: Ideal for those who want to earn more while keeping funds accessible.

                High Yield Money Market Account

                For those with larger balances, our high-yield money market account provides a blended-rate structure that rewards your savings across balance tiers.

                Commercial Money Market Account

                Our commercial money market account offers competitive tiered interest rates for businesses and organizations with substantial balances, designed to reward larger deposits.


                 

                High Yield Money Market

                $2,500 min to open

                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 September 14, 2023, 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.

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                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.

                Commercial Money Market
                 helping you earn more and access cash when you need it.

                • $100,000 minimum balance to open.
                • Tiered rates for higher balances to increase your earnings. 
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                Money Market

                "Saving for college was a long-term goal for our family. Last year we dropped our son off at college thanks to WEOKIE’s financial help!"
                SARAH J.