Earn higher interest rates for larger balances with our Premier Money Market or Positively Different accounts. These tiered-rate money market checking accounts allow for flexible savings options to achieve your financial goals. And you can set up regular “Self-Pay” transfers from your other checking account(s) to build your savings. You can access your money whenever you need it, and there’s no monthly maintenance fee. Additional terms, conditions, and fees may apply.

Safety and Security. By combining FDIC primary insurance and DIF excess deposit insurance, we are able to provide our depositors full insurance on all deposits, no matter the balance.

For ACH electronic transfers/debits setup through non-Coop accounts (utility bills, car payments, gym memberships, investment services), please select “Checking” as the account type to ensure your Money Market account is credited or debited correctly.

Why Choose a Money Market With The Coop?

  • Earn interest on all balances
  • NO monthly service charges
  • Tiered rates reward higher balances
  • ALL deposits insured in full by the FDIC and DIF, ensuring full deposit insurance on your deposits
  • Only a $25 deposit to open account(s)
  • Interest compounded and credit monthly with variable tiered rates interest bearing accounts
  • Check writing privileges. Set up automatic “Self Pay” transfers from your checking account

Premier Money Market Account – Be rewarded for your relationship with The Coop!

Our Premier Money Market is for clients who have a complete relationship with The Coop and value the full service they receive. For customers with multiple services, enjoy premium rates to grow your savings faster! See below for qualifications.

To open a Premier Money Market Account, please visit any branch location!

Rates effective November 29th, 2022
Premier Money Market
With a daily balance of What you get
Interest Rate APY*
$0.01 - 24,999.99 0.50% 0.50%
$25,000 - 99,999.99 0.50% 0.50%
$100,000 - 249,999.99 0.75% 0.75%
$250,000 - 499,999.99 1.98% 2.00%
$500,000 - 999,999.99 1.98% 2.00%
$1,000,000 & up 2.47% 2.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

 

To open a Premier Money Market Account, please visit any branch location!

Premier Money Market Qualifications:

  • The primary account holder must be an owner and signer on a consumer checking account or a consumer money market account with us (“Existing Checking/MMA Account”)
  • The Existing Checking/MMA Account must have at least two (2) deposits and three (3) withdrawals post and clear the account in the last thirty (30) calendar days; and
  • The primary account holder must be an owner and signer on one or more of the following additional products with us: A consumer savings account, consumer certificate of deposit, a loan for personal or household use (residential mortgage, home equity line of credit, home equity loan, or personal loan)1, an investment account with Cape Cod Financial Services2, or an existing personal The Cooperative Bank of Cape Cod-branded credit card issued by TCM Bank, N.A. or its successor.

1Ready Reserve Demand Deposit Loan does not qualify. 2FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual funds, life insurance policies, annuities or securities.

Positively Different Money Market – Let your money work for you 24/7!

The Positively Different Money Market is a safe place to achieve your savings goals. This free account allows for automatic transfers from your checking account and only requires $25 to open.

 

 

Rates

Rates effective November 29th, 2022
Positively Different Money Market
With a daily balance of What you get
Interest Rate APY*
$0.01 - 14,999.99 0.50% 0.50%
$15,000 - 24,999.99 0.50% 0.50%
$25,000 - 49,999.99 0.50% 0.50%
$50,000 - 99,999.99 0.50% 0.50%
$100,000 - 249,999.99 0.50% 0.50%
$250,000 & up 0.50% 0.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

 

Get Started with a Positively Different Money Market Account Today

Open An Account

Looking For A Different Personal Savings Account?

We have a variety of options, and we know we have the perfect personal savings account for you.