High Interest. Low Hassle.

Money Market

An AllCom Money Market Account gives you the best of both worlds: Interest rates that supercharge your savings goals, and the flexibility to get to your money when you need it. A range of right-size tiers. No monthly fees. And people here to help you figure out which account fits your life.

Compare Rates

Save more. Earn more. Simple as that.

Basic Money Market

For members ready to put $2,000 or more to work.

No monthly fee
$2,000 minimum opening balance
Up to 6 withdrawals per month
Dividends paid monthly on average daily balance
Available as individual or joint account

Premium Money Market

For members with $15,000 or more earning tiered rates that grow with your balance.

No monthly fee
$15,000 minimum opening balance
Up to 3 transfers or withdrawals per month
Tiered dividends — the bigger the balance, the better the rate
Available as individual or joint account

It's All About Our Members

“The team at AllCom is always helpful, friendly, knowledgeable, and kind.”

— Mick J.

Your Money. 100% Protected.

AllCom Money Market deposits are insured in full through NCUA federal coverage and MSIC. That means every dollar you save here is protected, no matter what, so you can sleep soundly while you save.

Account Disclosure

Wondering what information AllCom will need from you before opening your Money Market account? Click for a quick breakdown of our new account procedures.

Educational Resources

Watch Your Savings Build—Without Locking Up Your Cash

Opening a Money Market Account at AllCom takes minutes and pays off for years. No monthly fees, competitive rates, and a team that’ll help you decide…

Frequently Asked Questions

A handful of questions we love answering.

What exactly is a money market account?

It’s a savings account that earns a higher rate than a standard savings account, in exchange for a higher minimum balance. You can still get to your money (unlike a certificate) but there are some limits on how often. AllCom offers a Basic Money Market (starting at $2,000) and a Premium Money Market with tiered rates based on balance.

How is a money market different from a regular savings account?

Rate and minimum. The standard Share Savings account earns 0.02% APY with a $5 minimum. The Basic Money Market earns 1.00% APY with a $2,000 minimum. The Premium Money Market earns between 1.25% and 2.00% APY depending on how much you have in it.

How does a money market stack up against a certificate?

A money market gives you flexibility. You can take money out when you need it (within the monthly limits). A certificate locks in a higher guaranteed rate for a fixed period. Right now, AllCom’s certificates are earning significantly more than the money market rates. If you can commit the money for 6 months or more, a certificate pays more. If you need access, money market is the better fit.

Is there a minimum balance I need to keep in there?

Yes. $2,000 to open the Basic Money Market and earn the 1.00% APY. The Premium Money Market starts at $15,000, with higher rates at $50,000, $100,000, and $300,000 tiers. As long as you maintain the minimum, you earn at that rate.

What kind of return am I looking at compared to regular savings?

Significantly better. The standard savings account earns 0.02% APY. The Basic Money Market earns 1.00% APY—that’s 50 times the savings rate. The Premium tiers go from 1.25% to 2.00% APY depending on your balance. AllCom’s money market rates are among the best in the area. Check our Rates page for current figures.

Can I get to my money when I need it, or are there strings attached?

You can. The Basic Money Market allows up to 6 withdrawals per month. The Premium Money Market allows up to 3. Beyond that, you’ll want to keep your spending account separate because this isn’t designed as a checking account. But for true emergencies or planned withdrawals, the money is accessible.

How many times can I withdraw in a month?

Up to 6 times for the Basic Money Market. Up to 3 times for the Premium. If you’re regularly hitting those limits, it might be worth talking to us about whether a different account structure makes more sense.

Can I write checks from a money market account?

No. Checks are only available to draw from a checking account as we have a withdrawal limit per month on our money market accounts. However, you can stop by the branch and request a certified check that we can draw from your money market account.

What happens if my balance drops below the minimum?

If the balance on your money market drops below the minimum, you will not earn any interest until the balance is brought back over the minimum.

Is this a good place to keep my emergency fund?

It’s one of the best options for it. Your emergency fund needs to be accessible (not locked in a certificate), earning more than a standard savings account, and completely safe. A Money Market Account at AllCom checks all three boxes: Higher rate, NCUA + MSIC insured, and available when you need it.

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