Step up your savings with a money market account

A high-earning savings option with easy access to your funds and no hidden fees.

Is This the Right Fit for You?

The more you save, more you earn

A Money Market account is a strong choice if you’re ready for your balance to work harder for you with higher dividends and competitive rates. As the balance grows, so does your earning potential — giving you a way to save without committing to long-term restrictions.

$0 to open

High-yield account with tiered rates that adjust with the market

No monthly fee (earns dividends at $1,000)

Compounding interest to grow your balance

No risk to your principal

Mobile and digital banking access

3 free withdrawals per month

$5 fee for each additional withdrawal (resets monthly)

Keeps your money liquid and easy to access

If you’re not sure about locking your money into risky long-term investments, a Money Market account gives you a way to earn more while maintaining access to your funds.

Let’s get started

To open a Money Market account, you’ll meet with a team member by phone or in person. We’ll walk you through your options and build a savings strategy together.

Frequently Asked Questions

What is a money market account?

A money market account is a type of savings account that typically earns higher dividends than standard savings. It may limit how often you can withdraw money each month, helping you stay consistent with saving.

Money market account vs. money market fund?

Money market funds are investment products and can lose value. Money market accounts are deposit accounts so your money is insured and protected.

What are money market rates based on?

Rates are influenced by the Federal Reserve, which means they can change over time as the economy shifts.

Are money market accounts safe?

Yes. Money market accounts are federally insured and keep your money secure. They’re not tied to the stock market, even though the name might suggest it.

*APY = Annual Percentage Yield. See a representative for details.
**Please keep in mind we always pull credit for any new member as part of our identity verification process.

More Investment Options

Savings

Explore SunWest’s savings account options for short and long-term budgeting goals.

Certificate of Deposit

A safe, fixed-term savings option where your money stays deposited for a set period.

IRA

A tax-advantaged account designed to save for retirement outside of plans like a 401(k).