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Money Market

"I love Arsenal! Every time I walk through the door I feel valued and important. Their staff is amazing and will customize your banking experience to meet your needs."

Ebony B - Member Testimonial avatar Ebony B.
  • Free

    No monthly fee

  • Flexible

    Make withdrawals and write checks

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Get more from your savings

With a money market account, you earn higher interest when you deposit more. Interest is paid on balances of $2,500 or more. Overall, we offer five tiers. At the highest level, you’ll earn up to five times the rate of our regular savings account.

Money market accounts at Arsenal are federally insured.

A money market account that doesn't punish you

Many money market accounts have serious restrictions and penalties. Some charge as much as $10 per month if you go under the minimum balance. We offer a more flexible option that’s suited to your savings needs. If you save more, you earn more, but you won’t be penalized for having less in your account.

  1. 1

    The best of both worlds

    A money market account gives you a blend of savings/checking benefits, allowing you to write up to three checks per month and make a total of six withdrawals.

  2. 2

    Access your money anywhere

    Never feel tied down when you have online and mobile banking, as well as access to thousands of free ATMs throughout the United States.

  3. 3

    No worries

    If the minimum balance requirement isn't met, you won't be charged a service fee of any amount.


Regular Savings $100 0.15% / 0.15% Monthly (Dividend)
Special Savings $0 0.15% / 0.15% Monthly (Dividend)
Tracker Kids Club $0 0.15% / 0.15% Monthly
Christmas Club $0 0.15% / 0.15% Monthly
Vacation Club $0 0.15% / 0.15% Monthly
Value Checking $0 0.05% / 0.05% Monthly
Advantage Plus Checking $0 0.08% / 0.08% Monthly
Business Checking II $500 0.05% / 0.05% Monthly
Business Checking III $2,500 0.08% / 0.08% Monthly
IRA Savings Account** $0 0.20% / 0.20% Monthly
Money Market Account $2,500 - $9,999 0.65% / 0.65% Monthly
$10,000 - $24,999 0.75% / 0.75% Monthly
$25,000 - $49,999 0.85% / 0.85% Monthly
$50,000 - $99,999 0.95% / 0.95% Monthly
$100,000 and over 1.05% / 1.05% Monthly

Rates Subject To Change Without Notice. Rates as of 11-1-2022.
*APY=Annual Percentage Yield
**On IRA savings accounts, fees could reduce earnings on the account and early withdrawal penalties may be imposed.


Savings Calculator

Total Savings



Interest is paid monthly based on your average daily balance. No interest is earned on balances less than $2,500.
Your interest is calculated on the average daily balance of the account for the month.
Yes. By setting up a cross-account agreement, you can transfer money, view balances, check transaction history and request transfers from linked accounts – all from one online banking login. The user with access to your account can even make deposits using mobile check deposit on the Arsenal app. To set up account access for another user, the account owner of both the sending account and the recipient account must sign a form for the cross-account relationship to be established. To learn more, contact us or start a live chat.

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