Money Market Account
Get the Most From Your Higher Balance
Get the most out of your higher savings balance with competitive, tiered-rate earnings and enhanced access to your funds.
Money Market
| DECISION BASICS | |
| Minimum to Open | $2,500 |
| Monthly Service Fee | $11 (waived*) |
| Interest Structure | Tiered APY |
Benefits You'll Love
Savings Power With Spending Flexibility
Competitive, Tiered Interest Earnings
The higher your balance, the higher your rate. Our tiered structure rewards larger balances with meaningfully higher APYs.
Enhanced Access to Funds
Enjoy enhanced access to your money while your balance keeps earning — more flexibility than a CD.
No Long-Term Commitment
Unlike a CD, your funds aren't locked into a fixed term — keep earning while your money stays available when you need it.
FDIC Insured
All deposits are FDIC insured up to $250,000 per depositor, per account category.
Included With Your Account
Plus, You'll Enjoy These Convenient Services
How It Works
Get Started in 3 Easy Steps
1
Open Your Account
Open online or at any BRB branch with an initial deposit of $2,500.
2
Earn Tiered Interest
Your balance earns at its applicable tier — the higher your balance, the higher your rate, with interest compounding monthly.
3
Access Funds Anytime
Use free digital banking, online transfers, or visit a branch. Your money stays accessible.
Rate Structure
The More You Save, The More You Earn
Your full balance earns at the highest tier you qualify for.
{{ money-market-tiered-rate }}
Limited-Time Offer
Personal Money Market Account Special
Earn a promotional rate on new money for 6 months from account opening.
| Balance | Rate | APY** |
|---|---|---|
| $25,000 and Greater | 3.50% | 3.56% |
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A MONEY MARKET ACCOUNT?
A Money Market Account helps you get the most out of your higher savings balance with competitive, tiered-rate earnings — typically higher rates than a standard savings account, along with enhanced access to your funds.
WHAT IS THE MINIMUM TO OPEN, AND HOW DO I AVOID THE FEE?
The minimum balance to open is $2,500.00. You can avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance.
HOW DOES TIERED INTEREST WORK?
The higher your balance, the higher your rate. Your balance earns at the rate corresponding to its tier, and interest compounds monthly.
HOW IS INTEREST COMPOUNDED?
Interest on your Money Market Account compounds monthly.
ARE STATEMENTS FREE?
Free e-Statements are included. Paper statements are available, but a fee will apply.
IS A MONEY MARKET ACCOUNT FDIC INSURED?
Yes. Like all BRB deposit accounts, Money Market balances are FDIC insured up to $250,000 per depositor, per ownership category.
{endAccordions}
Rate Structure
The More You Save, The More You Earn
Your full balance earns at the highest tier you qualify for.
{{ money-market-tiered-rate }}
Limited-Time Offer
Personal Money Market Account Special
Earn a promotional rate on new money for 6 months from account opening.
| Balance | Rate | APY** |
|---|---|---|
| $25,000 and Greater | 3.50% | 3.56% |
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A MONEY MARKET ACCOUNT?
A Money Market Account helps you get the most out of your higher savings balance with competitive, tiered-rate earnings — typically higher rates than a standard savings account, along with enhanced access to your funds.
WHAT IS THE MINIMUM TO OPEN, AND HOW DO I AVOID THE FEE?
The minimum balance to open is $2,500.00. You can avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance.
HOW DOES TIERED INTEREST WORK?
The higher your balance, the higher your rate. Your balance earns at the rate corresponding to its tier, and interest compounds monthly.
HOW IS INTEREST COMPOUNDED?
Interest on your Money Market Account compounds monthly.
ARE STATEMENTS FREE?
Free e-Statements are included. Paper statements are available, but a fee will apply.
IS A MONEY MARKET ACCOUNT FDIC INSURED?
Yes. Like all BRB deposit accounts, Money Market balances are FDIC insured up to $250,000 per depositor, per ownership category.
{endAccordions}
Benefits You'll Love
Savings Power With Spending Flexibility
Competitive, Tiered Interest Earnings
The higher your balance, the higher your rate. Our tiered structure rewards larger balances with meaningfully higher APYs.
Enhanced Access to Funds
Enjoy enhanced access to your money while your balance keeps earning — more flexibility than a CD.
No Long-Term Commitment
Unlike a CD, your funds aren't locked into a fixed term — keep earning while your money stays available when you need it.
FDIC Insured
All deposits are FDIC insured up to $250,000 per depositor, per account category.
Included With Your Account
Plus, You'll Enjoy These Convenient Services
Rate Structure
The More You Save, The More You Earn
Your full balance earns at the highest tier you qualify for.
{{ money-market-tiered-rate }}
Limited-Time Offer
Personal Money Market Account Special
Earn a promotional rate on new money for 6 months from account opening.
| Balance | Rate | APY** |
|---|---|---|
| $25,000 and Greater | 3.50% | 3.56% |
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A MONEY MARKET ACCOUNT?
A Money Market Account helps you get the most out of your higher savings balance with competitive, tiered-rate earnings — typically higher rates than a standard savings account, along with enhanced access to your funds.
WHAT IS THE MINIMUM TO OPEN, AND HOW DO I AVOID THE FEE?
The minimum balance to open is $2,500.00. You can avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance.
HOW DOES TIERED INTEREST WORK?
The higher your balance, the higher your rate. Your balance earns at the rate corresponding to its tier, and interest compounds monthly.
HOW IS INTEREST COMPOUNDED?
Interest on your Money Market Account compounds monthly.
ARE STATEMENTS FREE?
Free e-Statements are included. Paper statements are available, but a fee will apply.
IS A MONEY MARKET ACCOUNT FDIC INSURED?
Yes. Like all BRB deposit accounts, Money Market balances are FDIC insured up to $250,000 per depositor, per ownership category.
{endAccordions}
Rate Structure
The More You Save, The More You Earn
Your full balance earns at the highest tier you qualify for.
{{ money-market-tiered-rate }}
Limited-Time Offer
Personal Money Market Account Special
Earn a promotional rate on new money for 6 months from account opening.
| Balance | Rate | APY** |
|---|---|---|
| $25,000 and Greater | 3.50% | 3.56% |
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A MONEY MARKET ACCOUNT?
A Money Market Account helps you get the most out of your higher savings balance with competitive, tiered-rate earnings — typically higher rates than a standard savings account, along with enhanced access to your funds.
WHAT IS THE MINIMUM TO OPEN, AND HOW DO I AVOID THE FEE?
The minimum balance to open is $2,500.00. You can avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance.
HOW DOES TIERED INTEREST WORK?
The higher your balance, the higher your rate. Your balance earns at the rate corresponding to its tier, and interest compounds monthly.
HOW IS INTEREST COMPOUNDED?
Interest on your Money Market Account compounds monthly.
ARE STATEMENTS FREE?
Free e-Statements are included. Paper statements are available, but a fee will apply.
IS A MONEY MARKET ACCOUNT FDIC INSURED?
Yes. Like all BRB deposit accounts, Money Market balances are FDIC insured up to $250,000 per depositor, per ownership category.
{endAccordions}
*Annual Percentage Yield (APY) accurate and effective as of 8/1/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Free e-Statements; paper statements available (fee will apply).
**Annual Percentage Yield (APY) accurate and effective as of 8/12/2026. This rate is subject to change. Minimum balance to open this account is $2,500.00. Minimum balance to obtain the promotional APY is $25,000.00. This applies to new money only. Promotional period runs for 6 months from date account was opened. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details. The following rates apply to balances below $25,000: $0.00-$2,499.99 0.250% APY; $2,500.00-$9,999.99 0.500% APY; $10,000.00-$24,999.99 0.750% APY
Kasasa Cash CalculatorDisclaimer
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
CD CalculatorDisclaimer
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
Simple Loan CalculatorDisclaimer
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $1,000 |
| 18 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.