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Premium Money Market Savings

Earn a premium interest rate and still have access to your funds.

Open an Account

Or call 1-800-621-2105

Enroll in Online Banking

Premium Money Market Savings Dividend Rate  APY 
$100 - $2,499 0.05% 0.05%
$2,500 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.21% 0.21%
$50,000 - $99,999 0.31% 0.31%
$100,000 - $249,999 0.40% 0.40%
$250,000 and Above 0.45% 0.45%

Rates effective as of September 15, 2017, and may change after account opening without notice. You must maintain a minimum average daily balance of $100 to earn a dividend. Fees may reduce earnings.

Premium Money Market Savings


  • Start your membership with a great savings account
  • Highly competitive interest rates
  • Tiered interest rates that increase as your account balance grows


  • No monthly maintenance fee
  • No minimum balance
  • Maintain a $100 average daily balance to earn dividends



Our experienced, helpful member service team is ready to support you!


Live Chat

Chat Available Mon-Fri, 8 am-5 pm Eastern

Premium Money Market Savings


When you open a Premium Money Market Savings Account, you'll enjoy

    • Convenience of direct deposit of your payroll or federal benefits
    • An Elements Visa® ATM card with security-enabled chip to use at any merchant that accepts Visa debit card
    • More than 72,000 surcharge-free ATMs worldwide
    • Shared branch access at more than 5,000 branches nationwide


Online and Mobile Banking


Access all the benefits of your High Interest Checking account with Online Banking and the Elements Mobile App. You can enjoy the same interface on your smartphone, tablet, laptop or desktop while continuing to get the same security features and conveniences you’ve come to expect. Our goal with online banking is simple: to provide you with a state-of-the-art digital banking experience that you can count on and is consistent across all devices.

  • Online banking – desktop, phone and app
  • Mobile check deposit
  • Online check images with Online Banking and Mobile Banking


Learn more about Online and Mobile Banking and enroll today.

Frequently Asked Questions


Q: What are the fees on the Premium Money Market Account?
A: There are no monthly maintenance fees on this account; however, it can fall dormant after three years of no activity. Please refer to the Fee Schedule for details about fees on our existing savings products.

Q: Do you offer business savings?
A: Yes, we offer business accounts. Learn more on our Business Savings page or call us at 1-800-621-2105 for more information.

How to Get Started


You can apply online in as little as 10 minutes! Or call 1-800-621-2105 to get started.

What you’ll need to open an account:

  • Your government-issued ID (driver’s license, state ID or passport)
  • Social Security number

What to expect during the application process:

  1. You will receive an email within 1 business day to notify you of account approval.
  2. That’s it – your Premium Money Market Savings Account is now open!