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Money Market Account
Get the ideal blend of growth and access.
Maximize your savings
You work hard, your money should, too. With our money market accounts, you can stash away money for a rainy day or save for a big purchase. Earn a competitive rate with the ability to access your money anytime. The more you deposit, the more you'll earn.
High-Yield Money Market
- Earn a high rate of interest on balances of $5,000 or more
- $5,000 minimum daily balance to waive $10 monthly service fee
- Open with a minimum balance of $5,000
- No maximum balance
- No minimum withdrawal amounts
- Access account information, transfer funds and deposit checks through eBanking
- IRA option available
OPEN A High Yield MONEY MARKET
Ardent Money Market
- No monthly service fee
- No minimum balance to open
- Make unlimited deposits, anytime
- Includes 24 free personalized checks
- Minimum check withdrawal amount of $250
- Access account information, transfer funds and deposit checks through eBanking
- IRA option available
Money Market/ Money Market IRA
Rates effective starting: December 27, 2024
| Tier Balance | ANNUAL PERCENTAGE YIELD1 | Interest Rate |
|---|---|---|
| High-Yield Money Market2 ($5,000 minimum to earn interest) | 0.40% | 0.40% |
| Ardent Money Market3 ($0.00 to $2,499.99) | 0.01% | 0.01% |
| Ardent Money Market3 ($2,500 - $9,999.99) | 0.01% | 0.01% |
| Ardent Money Market3 ($10,000 - $24,999.99) | 0.01% | 0.01% |
| Ardent Money Market3 ($25,000 - $99,999.99) | 0.01% | 0.01% |
| Ardent Money Market3 ($100,000 and up) | 0.01% | 0.01% |
1Rates are subject to change at any time without notice. Membership eligibility and requirements apply. Fees may reduce earnings.
2Up to six (6) preauthorized, automatic, telephone transfers or withdrawals may be made from each Money Market Account to another account or to a third party in any month, and no more than six (6) transfers may be made by check, draft, or debit card to a third party. If you make in excess of 6 transactions per month (writing checks, transfers) or you draw checks in an amount less than $250, your account will be subject to fees. Fees could reduce the earnings on the account.
3Some restrictions do apply to the Ardent Money Market Account. Although you can make transfers to your Money Market Account in eBanking, account access is not available through ATMs or through Ardent's Bill Pay service. Any checks drawn on your Money Market Account must be for an amount of $250 or more. If you exceed these limitations, your account may be subject to a fee or be closed. There is no minimum balance required to open or start earning interest on an Ardent Money Market Account. Money Market interest is calculated monthly on your entire balance in the tier your balance falls in for that month. For example, if your balance is $15,500.00 for the first 15 days in the month, you will earn the interest rate for tier 2 on the entire balance in the account, for 15 days. If your balance is $7,500.00 for the last 15 days of the month, you will earn the interest rate for tier 1 on the entire balance in the account for 15 days.