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Strong rates.
Easy access.
More room
to grow.
Get stronger dividend potential than a traditional savings account while keeping access to your money when you need it.
Business Money Market
More upside for your business liquidity.
With a Business Money Market Account, your business can combine higher dividend potential, tiered rates, and liquidity. Growth and flexibility have never been this easy.
Why a money market account makes sense.
Earn more with higher balances.
Tiered rates reward stronger balances, so your savings can pick up momentum as it grows.
Keep your money within reach.
You’re not locking funds away for a set term. Access money through checks, ATMs, branches, and digital banking options depending on the account.
Build security without extra friction.
It’s a practical way to earn more on funds you want to keep safe, available, and ready for what’s next.
Smarter Banking. More Living. 
Built for Members. Designed for Life. 
Life Comes First. 
Saving You More Than Money. Move Forward with Confidence. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Saving You More Than Money. Move Forward with Confidence.
Built for Members. Designed for Life. Life Comes First. Saving You More Than Money. Move Forward with Confidence. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Saving You More Than Money. Move Forward with Confidence. Your Money Market Questions, Answered
Everything you need to know about earning dividends, accessing your funds, and getting more from your savings with an Arise Money Market Account.
What is a Money Market Account?
A Money Market Account helps you earn competitive dividends while maintaining access to your funds. It's a great option for money you want to grow without locking it into a fixed-term account.
How do Money Market rates work?
Both Personal and Business Money Market Accounts feature tiered dividend rates. Higher balances may qualify for higher dividend rates and annual percentage yields (APYs).
How often are dividends paid?
Dividends on both Personal Money Market and Business Money Market Accounts are compounded monthly and paid monthly.
Can I access my money if I need it?
Yes. Personal and Business Money Market Account funds can be accessed through ATMs, branches, checks, online banking, and digital banking, subject to account transaction limits.
What do I need to open a Business Money Market Account?
A Business Money Market Account requires a $1,000 minimum opening deposit. Once open, maintain a balance of $5 or more to earn dividends. There is no monthly maintenance fee or minimum balance required to avoid one.
Are there withdrawal limits on a Business Money Market Account?
Yes. Business Money Market Accounts allow up to six non-ATM withdrawals or transfers per month. Up to three of those transactions may be made by check. A $10 fee applies for each check written beyond the three-check limit.
Are Money Market funds insured?
Yes. Deposits are federally insured by the NCUA up to applicable limits. Eligible Massachusetts members also receive additional coverage through the Massachusetts Share Insurance Corporation (MSIC) for balances that exceed NCUA insurance limits.
Why choose a Money Market Account?
A Money Market Account offers a balance of growth and accessibility. You can earn competitive dividends on your savings while maintaining convenient access to your funds when needed.
How do I open a Money Market Account?
Open a Personal Money Market Account with a minimum deposit of $5. Maintain a balance of $5 or more to earn dividends, with no monthly maintenance fee. Apply online, visit a branch, or contact our team. For Business Money Market Accounts, contact an Arise Business Banking Specialist for account-opening assistance.
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Compare
Compare your Money Market options in one place.
| Account | Minimum Balance Tier to earn APY* | Dividend Rate | APY* | Compounding |
|---|---|---|---|---|
| Personal Money Market | $5.00 – $2,499 | 0.10% | 0.10% | Monthly |
| Personal Money Market | $2,500 – $9,999 | 0.50% | 0.50% | Monthly |
| Personal Money Market | $10,000 – $24,999 | 0.50% | 0.50% | Monthly |
| Personal Money Market | $25,000 – $49,999 | 0.95% | 0.95% | Monthly |
| Personal Money Market | $50,000 – $74,999 | 2.18% | 2.20% | Monthly |
| Personal Money Market | $75,000 – $249,999 | 3.05% | 3.10% | Monthly |
| Personal Money Market | $250,000 and higher | 3.49% | 3.55% | Monthly |
| Business Money Market1 | $5.00 – $9,999 | 0.50% | 0.50% | Monthly |
| Business Money Market | $10,000 – $24,999 | 0.50% | 0.50% | Monthly |
| Business Money Market | $25,000 – $99,999 | 1.14% | 1.15% | Monthly |
| Business Money Market | $100,000 – $249,999 | 2.52% | 2.55% | Monthly |
| Business Money Market | $250,000 and higher | 2.71% | 2.75% | Monthly |
| Get started | Open a Personal Account | Contact Us for Business Accounts | ||
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Personal Money Market
Minimum Balance Tier to earn APY* $5.00 – $2,499Dividend Rate 0.10%APY* 0.10%Compounding Monthly -
Personal Money Market
Minimum Balance Tier to earn APY* $2,500 – $9,999Dividend Rate 0.50%APY* 0.50%Compounding Monthly -
Personal Money Market
Minimum Balance Tier to earn APY* $10,000 – $24,999Dividend Rate 0.50%APY* 0.50%Compounding Monthly -
Personal Money Market
Minimum Balance Tier to earn APY* $25,000 – $49,999Dividend Rate 0.95%APY* 0.95%Compounding Monthly -
Personal Money Market
Minimum Balance Tier to earn APY* $50,000 – $74,999Dividend Rate 2.18%APY* 2.20%Compounding Monthly -
Personal Money Market
Minimum Balance Tier to earn APY* $75,000 – $249,999Dividend Rate 3.05%APY* 3.10%Compounding Monthly -
Personal Money Market
Minimum Balance Tier to earn APY* $250,000 and higherDividend Rate 3.49%APY* 3.55%Compounding Monthly -
Business Money Market1
Minimum Balance Tier to earn APY* $5.00 – $9,999Dividend Rate 0.50%APY* 0.50%Compounding Monthly -
Business Money Market
Minimum Balance Tier to earn APY* $10,000 – $24,999Dividend Rate 0.50%APY* 0.50%Compounding Monthly -
Business Money Market
Minimum Balance Tier to earn APY* $25,000 – $99,999Dividend Rate 1.14%APY* 1.15%Compounding Monthly -
Business Money Market
Minimum Balance Tier to earn APY* $100,000 – $249,999Dividend Rate 2.52%APY* 2.55%Compounding Monthly -
Business Money Market
Minimum Balance Tier to earn APY* $250,000 and higherDividend Rate 2.71%APY* 2.75%Compounding Monthly -
Get started
Minimum Balance Tier to earn APY* {colspan=2, html=Open a Personal Account}Dividend Rate {colspan=2, html=Contact Us for Business Accounts}APY*Compounding
Terms and Conditions
*APY = Annual Percentage Yield. Rates and APYs are effective October 1, 2026. These are variable-rate accounts; rates may change after opening. Dividends are compounded and paid monthly. The advertised 3.55% APY applies to Personal Money Market balances of $250,000 or higher.
Personal Money Market requires a $5 minimum opening deposit and a $5 minimum balance to earn dividends. There is no monthly maintenance fee or minimum balance required to avoid one.
1 Business Money Market requires a $1,000 minimum opening deposit and a $5 minimum balance to earn dividends. There is no monthly maintenance fee or minimum balance required to avoid one.
Membership eligibility applies. Refer to the Membership Agreement, applicable account disclosures, and fee schedule for complete terms.