Money Market Savings Account
Grow your savings faster without locking your money away. An Advia Money Market Savings Account earns competitive rates on higher balances while keeping your funds within reach when you need them. Real advantages, real savings — that's the credit union difference.
Not a member? Join Advia today to unlock all the financial advantages of banking with Advia.
What is a Money Market Savings account?
A Money Market Savings account pays higher dividend rates on larger balances while keeping your money accessible. It's the smart middle ground between a regular savings account and a CD. Earn more as you save more, without locking your funds away. And because ours is a credit union money market account, you're a member-owner, so the value comes back to you.
- $1,000 minimum to earn dividends1
- Progressive rates at $1,000, $25,000, and $75,000
- Interest paid monthly
- NCUA-insured up to $250,000
Why open a Money Market Savings account?
Here are the money market account benefits our members love most:
- Earn more on higher balances
- Easy access — no locked terms like a CD
- Monthly dividends that add up
- Manage anywhere with Digital Banking
- No surprises — just clear, honest terms
Is a Money Market account better than a savings account or CD?
It depends on your goals — and we're happy to walk you through it. Here's a simple side-by-side of money market vs. savings account vs. CD so you can see which fits your life.
|
01 Money Market Col 1
|
Money Market Savings
|
Regular Savings
|
Certificate of Deposit
|
|---|---|---|---|
| Earning Potential |
Higher rates on higher balances |
Steady base rate |
Fixed rate |
| Access to Funds |
Easy access anytime |
Easy access anytime |
Locked until maturity |
| Minumum to Earn |
$1,000 |
Low |
Varies |
| Best for |
Larger balances you want to grow |
Getting Started |
Money you won't touch |
| NCUA Insured |
Checked
|
Checked
|
Checked
|
The short version: if you've got a larger balance you want to grow and still want to reach it when life happens, a Money Market Savings account is often the better fit.
Compare current Money Market Savings rates.
Our money market account rates are tiered, so your rate can climb as your balance grows. Here are our current money market account interest rates:
| Account Type | APY* |
|---|---|
| Money Market Savings ($75,000 and above)** | 0.60% |
| Money Market Savings ($25,000 - $74,999)** | 0.50% |
| Money Market Savings ($1,000 - $24,999)** | 0.40% |
How does a Money Market Savings account work?
A Money Market Savings account works by paying dividends at tiered rates based on your balance — the higher your balance tier, the higher your rate.
Become an Advia member or add to your existing membership
Fund your account to at least $1,000 to start earning dividends
Earn tiered dividends — rates step up as your balance crosses the $25,000 and $75,000 tiers
Watch it compound monthly — dividends are credited monthly based on your daily average balance
See how much your balance could earn.
Curious what your savings could grow into? Use our calculator to estimate your earnings based on your balance and our current rates. Just enter your starting amount and see the difference a Money Market Savings account can make.
Ready to maximize the return on your savings?
Open an Advia Money Market Savings account today and put your larger balances to work with competitive tiered dividends. It takes just a few minutes online — or stop by and we'll help you in person.
Frequently Asked Questions
It's a savings account that pays higher dividend rates on larger balances while still giving you easy access to your money. Think of it as a step up from regular savings for balances you want to grow.
You'll need a $1,000 minimum balance to start earning dividends. Your rate then grows as your balance reaches the $25,000 and $75,000 tiers.
It depends on your goals. A money market account often earns more on larger balances, so it's great if you've got more to save. A regular savings account can be simpler for smaller balances or just getting started.
A money market account lets you access your money anytime and earns a progressive rate as your balance grows. A CD locks your funds for a set term in exchange for a fixed rate. Many members use both.
Your earnings depend on your balance tier and current rate. Use the calculator above to estimate what your specific balance could earn.
More ways to save.
Looking for a different savings option? We have accounts for every goal.
- Holiday Club Savings — Save all year for holiday expenses with no minimum balance — funds are made available November 1
- Secondary Savings — Organize your money by goal with dedicated savings accounts for vacations, emergencies, and more
- UTMA Savings — Invest in a child's future with an account that earns quarterly dividends on balances of $5 or more
- Non-Interest Savings — A straightforward savings account with 24/7 Digital Banking access and no minimum balance
Have questions about opening a Money Market Savings account?
We're here to help. Chat with Ava, call 844.238.4228, schedule an appointment, or stop by any branch.
* Annual Percentage Yield.
**A minimum $1,000 daily balance is required to earn dividends. The following tiered rates will apply: $1,000-$24,999 = 0.40% APY; $25,000-$74,999 = 0.50% APY; $75,000+ = 0.60% APY. See our Service Charges for minimum balance fee.