1. Personal
  2. Savings
  3. Money Market Savings

Money Market Savings

Your bigger balance working even harder.

Hero FPO

You’ve built up a balance — now let it work as hard as you did to earn it.

Money Market Savings rewards bigger balances with competitive tiered rates, while still giving you the flexibility to access your money when you need it.

Grow Money

Earn competitive tiered rates

The more you save, the more your rate can grow.

Dollar Bills

Simple fee structure

Maintain a $2,000 average daily balance and skip the $7 monthly fee.

Checkmark

Flexible access

Get to your funds when you need them.

Money Transfer

Build-in safety net

Link to another First U.S. account for overdraft protection.

Rates

Money Market Savings & IRA

Balance

APY*

Rate

Minimum Balance to Open

Minimum Balance to Earn Dividends

*APY = Annual Percentage Yield. Rate = Dividend Rate.
Rates and terms effective November 12, 2026 and are subject to change without notice.

Balance

$0-$24,999

APY*

0.65%

Rate

0.650%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$2,000

Balance

$25,000-$99,999

APY*

1.65%

Rate

1.638%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$25,000

Balance

$100,000-$249,999

APY*

1.70%

Rate

1.687%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$100,000

Balance

$250,000-$499,999

APY*

1.95%

Rate

1.933%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$250,000

Balance

$500,000+

APY*

2.15%

Rate

2.129%

Minimum Balance to Open

$2,000

Minimum Balance to Earn Dividends

$500,000

Disclosures

*APY = Annual Percentage Yield. Visit Savings Rates for more details.

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