$mart Start Money Market
Earn up to 4% APY with our $mart Start Money Market
Earn certificate quality yields while building your savings, with our new Smart Start Money Market – the smart way to kick off your savings habit. You’ll enjoy the flexibility of easy access to your liquid funds, and earn competitive rates even as your balance grows.
| You Earn... | On Balance of: |
|---|---|
| 4.00% | $0 - $2,000.00 |
| .50% | $2,000.01 - $5,000.00 |
| .25% | $5,000.01 - $10,000.00 |
| .04% | $10,000.01 - $50,000.00 |
| .03% | $50,000.01+ |
There is no minimum balance to open, and no balance requirements to earn. The Smart Start Money Market is a perfect way to save for retirement faster with payroll deduction and automatic transfer options.
See how much you can earn:
| Deposit Distribution | APY | |
|---|---|---|
| $0 | 4.00% | |
| $0 | 0.50% | |
| $0 | 0.25% | |
| $0 | 0.04% | |
| $0 | 0.03% | |
| Blended APY | ||
| Estimated Earnings for First Year | ||
Annual Percentage Yield (APY), terms and offers effective 05/08/2025 and subject to change without notice. Rates are variable and subject to change at any time after account opening. APY is earned on the portion of your balance in each rate tier. Blended APY: $0 - $2,000.00 is 4.00%; $2,000.01 to $5,000.00 is 4.00% - 1.89%; $5,000.01 to $10,000.00 is 1.89% - 1.07%; $10,000.01 to $50,000.00 is 1.07% - 0.24%; $50,000.01 to $100,000 is 0.24% - 0.14%. First $5,000 must be funds new on deposit to First U.S. Limit one Smart Start Money Market per member (and one Smart Start IRA Money Market per member). Check access not available.