High-Yield Money Market Accounts in Minnesota
Earn more on your savings with tiered interest rates and flexible access to your funds.
Benefits of a Money Market Account with Accentra
- Earn more with tiered interest rates based on your balance
- Enjoy flexible access to your savings anytime
- No monthly maintenance or hidden fees
- Unlimited deposits and convenient withdrawals
- Manage your account with free online and mobile banking
What Is a Money Market Account?
A money market account is a high-yield savings option that offers higher interest rates than traditional savings accounts while still allowing easy access to your funds. It’s ideal for members who want to earn more without sacrificing flexibility.
Why Choose a Money Market Account from Accentra?
- Competitive, Tiered Interest Rates: Benefit from higher rates with higher balances, maximizing your earnings as your savings grow.
- Monthly Dividends: Enjoy dividends that are compounded and credited to your account on a monthly basis, increasing your savings over time.
- Flexible Access: Conveniently access your funds with:
- Unlimited deposits
- Unlimited in-person withdrawals
- No Minimum Withdrawal Amount: Withdraw any amount without restrictions, giving you flexibility and control.
- No Monthly Service Fee: Save more with no monthly service fees, ensuring all your earnings stay with you.
- Free Digital Banking Services: Manage your account with ease using our free digital banking services, including:
- Online Banking
- Mobile Banking
- eStatements
- Bill Pay Available: Simplify your finances with our convenient bill pay option.
- Easy Account Opening: Start with a minimum deposit of just $2,500 to open your Money Market Account.
Money Market Account vs Savings Account
While both accounts help you grow your savings, a money market account typically offers higher interest rates and may include additional features like check-writing or debit access. If you maintain a higher balance and want better returns, a money market account may be the better option.
Who Should Open a Money Market Account?
- Members with higher balances
- Savers looking for better interest rates
- Individuals wanting flexibility + growth
- Anyone comparing savings options in Minnesota
How It Works
Our Money Market Account offers a blend of high earning potential and easy access to your funds. With competitive rates and flexible features, you can grow your savings while enjoying the convenience of digital banking and unlimited access.
Ready to Start Saving?
Take advantage of our competitive rates and flexible access with a Money Market Account from Accentra Credit Union. Contact us today to open your account and start maximizing your savings.
Money Market Account Rates in Minnesota
Explore our competitive money market account rates designed to help you earn more on your savings. Accentra Credit Union offers tiered interest rates based on your account balance, allowing you to maximize your earnings while maintaining flexible access to your funds.
Our money market rates are structured to reward higher balances, making this account an excellent option for members looking to grow their savings faster than with a traditional savings account.
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How Money Market Rates Work
Money market account rates are typically tiered, meaning the more you save, the higher your interest rate can be. Interest is compounded regularly, helping your savings grow steadily over time.
How to Maximize Your Earnings
- Maintain a higher account balance
- Take advantage of tiered rate increases
- Keep funds deposited longer to benefit from compounding
- Compare rates regularly to ensure optimal returns
Money Market vs Savings Account Rates
Money market accounts typically offer higher interest rates than standard savings accounts, especially for higher balances. While both options provide safe and secure ways to grow your money, a money market account may be the better choice if you’re looking for higher returns and more flexibility.
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
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 dividends earned $0
- Annual Percentage Yield (APY)0.000%
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
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
Balloon Loans
| Term Rates | Rate | APR* as low as |
|---|---|---|
| 5 Year Balloon | 5.125% | 5.392% |
| 7 Year Balloon | 5.250% |
5.518% |
| 10 Year Balloon | 5.500% | 5.883% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Balloon Loan repayment terms and an amortization schedule.
Boats, RVs, Campers
| Age of Vehicle | 0-2 years | 3-5 years | 6-10 years | 10+ years |
|---|---|---|---|---|
| Term Rates | APR* as low as |
APR* as low as |
APR* as low as |
APR* as low as |
| 12 Months | 6.63% | 7.38% | 7.88% | 8.13% |
| 24 Months | 6.45% | 7.20% | 7.70% | 7.95% |
| 36 Months | 6.38% | 7.14% | 7.64% | 7.89% |
| 48 Months | 6.35% | 7.10% | 7.60% | 7.85% |
| 60 Months | 6.43% | 7.18% | 7.68% | 7.94% |
| 72 Months | 6.56% | 7.31% | 7.81% | 8.06% |
| 84 Months | 6.71% | 7.46% | 7.96% | 8.21% |
| 120 Months | 7.30% | 8.05% | 8.55% | 8.80% |
| 144 Months | 7.29% | 8.04% | 8.54% | 8.79% |
| 180 Months | 7.77% | 8.52% | 9.02% | N/A |
*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment example: A 60 month $25,000 fixed rate secured new boat/camper/RV loan at 6.43% APR* has an approximate monthly payment of $488.37.
Business Checking and Money Market Savings Interest Rates
| Dividend Rate | APY* | Interest Compounded | Balance |
|---|---|---|---|
| 0.05% | 0.05% | Monthly | $0 - $9,999 |
| 0.10% | 0.10% | Monthly | $10,000 - $24,999 |
| 0.15% | 0.15% | Monthly | $25,000 - $49,999 |
| 0.20% | 0.20% | Monthly | $50,000 - $99,999 |
| 0.35% | 0.35% | Monthly | $100,000 - $249,999 |
| 0.50% | 0.50% | Monthly | $250,000 - Greater |
*APY = Annual Percentage Yield.
Cars, Trucks, and Vans
| Age of Vehicle | 0-2 years | 3-5 years | 6-10 years | 10+ years |
|---|---|---|---|---|
| Term Rates | APR* as low as |
APR* as low as |
APR* as low as |
APR* as low as |
| 12 Months | 5.11% | 5.36% | 5.86% | 6.62% |
| 24 Months | 4.94% | 5.19% | 5.69% | 6.44% |
| 36 Months | 4.87% | 5.12% | 5.62% | 6.37% |
| 48 Months | 4.94% | 5.19% | 5.69% | 6.44% |
| 60 Months | 5.07% | 5.32% | 5.82% | 6.57% |
| 72 Months | 5.06% | 5.31% | 5.81% | 6.56% |
| 84 Months | 5.20% | n/a | n/a | n/a |
* APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate secured new auto loan at 5.07% APR* has an approximate monthly payment of $472.61.
Certificate Accounts
| Term | Rate | APY* | Interest Compounded | Minimum Opening Deposit |
| 3 Months | 0.20% | 0.20% | At Maturity | $500.00 |
| 6 Months | 0.25% | 0.25% | At Maturity | $500.00 |
| 6 Months Special*** | 3.50% | 3.53% | At Maturity | $500.00 |
| 18 Months** | 2.48% | 2.50% | Monthly | $10.00 |
| 24 Months | 0.40% | 0.40% | Quarterly | $500.00 |
| 36 Months | 0.50% | 0.50% | Quarterly | $500.00 |
| 48 Months | 0.60% | 0.60% | Quarterly | $500.00 |
| 60 Months | 0.70% | 0.70% | Quarterly | $500.00 |
*APY = Annual Percentage Yield
**Applies to 18 month term only: the interest rate and Annual Percentage Yield (APY) are variable and is based on an Index. 18 month certificate is not available to Business Accounts.
*** Applies to 6 month special certificate only: At maturity, the 6-month special certificate will automatically renew at the standard 6-month certificate's rate and term.
Christmas Club
| Dividend Rate | APY* | Interest Compounded | Minimum Opening Deposit |
|---|---|---|---|
| 0.10% | 0.10% | Quarterly | $20.00 |
*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.
Construction Loans
| Term Rates | Rate | APR* as low as |
|---|---|---|
| Up to 1 Year | 5.125% | 5.392% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. During the construction phase, payments are interest only based on the loan amount advanced.
Home Equity - Line of Credit
| Term Rates | APR* as low as |
|---|---|
| Introductory Rate for 6 months | 1.99% |
| Rate after 6 months | 6.750% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Payments: 1.0% of principal balance owed on the monthly billing date (minimum payment $50) after each new advance. Loan term is 20 years - 10 year draw period and 10 repayment period. Rate subject to change semi-annually. Maximum rate 18%. A 20 year $30,000 variable rate home equity loan at 6.750% APR has an approximate monthly payment of $300. Other terms and amounts are available.
Home Equity Loans
| Term Rates | Rate | APR* as low as |
|---|---|---|
| 5 Year Fixed Rate, Up to 80% of Value | 5.250% | 5.538% |
| 10 Year Fixed Rate, Up to 80% of Value | 6.250% | 6.405% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Payment example: A 5 year $15,000 fixed rate home equity loan at 5.538% APR has an approximate monthly payment of $284.79. Other terms and amounts are available.
Home Improvement Loans
| Loan Amount | APR* as low as |
|---|---|
| Up to $10,000 | 5.75% |
*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR = Annual Percentage Rate is based on a $100,000 mortgage with a 1% origination fee and a 20% down payment.
Home Loans
| Term Rates | Rate | APR* as low as |
|---|---|---|
| 10 Year Fixed | 5.500% | 5.883% |
| 15 Year Fixed | 5.750% | 6.113% |
| 20 Year Fixed | 5.990% | 6.291% |
| 30 Year Fixed | 6.375% | 6.598% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Fixed rate repayment terms and an amortization schedule.
IRA Savings
| Dividend Rate | APY* | Interest Compounded | Minimum Opening Deposit |
|---|---|---|---|
| 0.10% | 0.10% | Quarterly | $20.00 |
*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.
Kasasa Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Money Market Savings
| Dividend Rate | APY* | Interest Compounded | Balance |
|---|---|---|---|
| 0.05% | 0.05% | Monthly | $0 - 2,499 |
| 0.05% | 0.05% | Monthly | $2,500 - 9,999 |
| 0.10% | 0.10% | Monthly | $10,000 - 24,999 |
| 0.15% | 0.15% | Monthly | $25,000 - 49,999 |
| 0.20% | 0.20% | Monthly | $50,000 - 99,999 |
| 0.35% | 0.35% | Monthly | $100,000 - Greater |
*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.
Motorcycles, ATVs, Snowmobiles, and Jetskis
| Age of Vehicle | 0-2 years | 3-4 years | 5-7 years | 8+ years |
|---|---|---|---|---|
| Term Rates | APR* as low as |
APR* as low as |
APR* as low as |
APR* as low as |
| 12 Months | 7.02% | 7.42% | 7.77% | 8.27% |
| 24 Months | 6.84% | 7.24% | 7.59% | 8.09% |
| 36 Months | 6.88% | 7.28% | 7.63% | 8.13% |
| 48 Months | 7.09% | 7.49% | 7.84% | 8.34% |
| 60 Months | 7.32% | 7.72% | 8.08% | 8.58% |
| 72 Months | 7.56% | 7.96% | 8.31% | 8.81% |
*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate secured new PowerSport loan at 7.32% APR* has an approximate monthly payment of $498.86.
Other Secured Loans
| Age of Vehicle | 0-2 years | 3-4 years | 5-7 years | 8+ years |
|---|---|---|---|---|
| Term Rates | APR* as low as |
APR* as low as |
APR* as low as |
APR* as low as |
| 12 Months | 7.03% | 7.78% | 8.28% | 8.53% |
| 24 Months | 6.85% | 7.60% | 8.10% | 8.35% |
| 36 Months | 6.79% | 7.54% | 8.04% | 8.29% |
| 48 Months | 6.80% | 7.55% | 8.05% | 8.30% |
| 60 Months | 6.82% | 7.57% | 8.08% | 8.33% |
| 72 Months | 7.21% | 7.96% | 8.46% | 8.71% |
| 84 Months | 7.30% | 8.05% | 8.55% | 8.80% |
| 120 Months | 7.79% | 8.54% | N/A | N/A |
*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate new other secured loan at 6.82% APR* has an approximate monthly payment of $492.95.
Share Savings
| Dividend Rate | APY* | Interest Compounded | Minimum Opening Deposit |
|---|---|---|---|
| 0.05% | 0.05% | Quarterly | $5.00 |
*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.