Earn More with a Money Market Account

Open In-Branch
View Rates

Money Market Account Features

Our Money Market Account offers you the chance to earn more on your savings, while still allowing access to your money when you need it! 

  • Higher % Yield Earn more on your savings than you would in a regular Savings Account.
  • No Monthly Fee Avoid a monthly fee when you maintain a minimum daily balance of $2,500.
  • Convenient Access Access your money up to six times per month by check, electronic withdrawal, or transfer.
  • Guaranteed Dividends Enjoy guaranteed returns as you watch your savings grow!
Open In-Branch
Family smiles in front of their home

Money
Market Rates

Earn more with competitive tiered rates. Get rewarded the more you save.

Open In-Branch

*APY – Annual Percentage Yield. This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer.

Money Market Rates

Tier
Dividend Rate
APY*
Tier
Tier I
$0-$9,999.99
Dividend Rate
0.99%
APY*
1.00%
Tier
Tier II
$10,000.00-$24,999.99
Dividend Rate
1.74%
APY*
1.75%
Tier
Tier III
$25,000.00-$99,999.99
Dividend Rate
2.23%
APY*
2.25%
Tier
Tier IV
$100,000.00 & Over
Dividend Rate
3.20%
APY*
3.25%
Effective October 18, 2024

*APY – Annual Percentage Yield. This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer.

decorative chevron pattern
Elderly couple enjoys city adventure
FLEXIBLE SAVINGS

The Perfect Money Market Account For Your Needs!

Peach State's Money Market is the perfect way to invest your savings at a higher rate without additional risk! Have peace of mind knowing that your money will be there when you need it.

  • Build your emergency savings.
  • Save for your next adventure.
  • Be prepared for the unexpected.
Open In-Branch
Three Practical Budget Templates
3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Testimonial

Share Your Story
I have had a great relationship with Peach State for years. I already have recommended them to friends and family!
 
- James S.
 
Personal and professional service. Easy and fast loan application. Most importantly, I trust the stability of Peach State Federal Credit Union.
 
- Sharon G.
 
Great low interest rates & friendly people!
 
- Rebecca C.

Frequently Asked Questions

These are a few of the commonly asked questions about our services.
For even more FAQs, check out our Member Knowledge Base.
What do I need to open an account at Peach State?
Joining Peach State is easy! Once you’re ready to open an account, explore the documents you will need.
Read More
How do I access my account online?
To log in to Online Banking, click the “Login” button in the upper right on any page of our website. For directions to sign up, click the "Read More" button below.
Read More
Who can join Peach State?
Peach State offers membership to the employees of our sponsor Boards of Education, and many Select Employee Groups (SEGs) and associations.
Read More
Member Knowledge Base

Money Market Account Savings Alternatives

  • Regular SavingsBecome a member and maintain your stake in the credit union with this account.

    Regular Savings Account

    This simple savings account offers you a simple solution to keep your savings ready when you need it.1 Have your paycheck, social security, pension, or any recurring check deposited directly into your account.

    • $5 minimum balance requirement.
    • Make up to two withdrawals per month at no charge.
    • Quarterly statements
    • 24/7 online access
    • Direct deposit
    • Earn dividends monthly on your average daily balance.2

    Learn more on the Savings Account page.

    1 An initial deposit of $5 is required to maintain your stake in the credit union, and there is a one-time membership fee ($5) and USA Patriot Act recovery fee ($5). All members must maintain a $5 balance in their savings account to remain a member-owner and demonstrate regular activity in their account to keep it open.

    2 You must maintain a minimum $100 balance in order to earn dividends.

  • Term Share Certificates (or CDs)Term share certificates (also known as CDs) are among the safest investments you can make!

    Term Share Certificates (or CDs)

    Also called term share certificates, CDs offer you the flexibility to select the term length that works for you and your savings goals.

    • 6-month – 5-year terms
    • $1,000 minimum deposit

    Learn more on the Term Share Certificates page.

    Please note that there are penalties for early withdrawal. The penalty is 30 days’ dividends for Term Share Certificates (or CDs) with terms of six to 12 months and 90 days’ dividends for those with terms above 12 months.

  • IRA Certificate OptionsUse these certificates along with your individual retirement account to strengthen your retirement strategy.

    IRA Term Share Certificates

    These certificates are a great flexible addition to any retirement strategy! 

    • 6-month – 5-year terms
    • $1,000 minimum deposit
    • Receive a fixed dividend at the end of your term.

    Advantage IRA Certificates

    Smart options for short-term savings.

    • 6-month – 5-year terms
    • Share club IRA pays a monthly dividend rate
    • $1,000 minimum deposit for a share certificate and $250 for an IRA club

    Learn more on the IRA page .

    Please note that there are penalties for early withdrawal. The penalty is 30 days’ dividends for Term Share Certificates (or CDs) with terms of six to 12 months and 90 days’ dividends for those with terms above 12 months.

  • Club AccountsA great option to help you achieve your yearly savings goals.

    Club Accounts

    For everything from holiday shopping, special occasions, education, taxes, and more our Club Account has you covered. Save over the course of the year and your funds will automatically be transferred into your other account at the end of October! Use our Club Account to start savings for:
    • Holiday shopping
    • Special occasions
    • Education
    • Taxes
    • And more!

    Learn more on the Savings Account page.

Regular Savings Account

This simple savings account offers you a simple solution to keep your savings ready when you need it.1 Have your paycheck, social security, pension, or any recurring check deposited directly into your account.

  • $5 minimum balance requirement.
  • Make up to two withdrawals per month at no charge.
  • Quarterly statements
  • 24/7 online access
  • Direct deposit
  • Earn dividends monthly on your average daily balance.2

Learn more on the Savings Account page.

1 An initial deposit of $5 is required to maintain your stake in the credit union, and there is a one-time membership fee ($5) and USA Patriot Act recovery fee ($5). All members must maintain a $5 balance in their savings account to remain a member-owner and demonstrate regular activity in their account to keep it open.

2 You must maintain a minimum $100 balance in order to earn dividends.

Term Share Certificates (or CDs)

Also called term share certificates, CDs offer you the flexibility to select the term length that works for you and your savings goals.

  • 6-month – 5-year terms
  • $1,000 minimum deposit

Learn more on the Term Share Certificates page.

Please note that there are penalties for early withdrawal. The penalty is 30 days’ dividends for Term Share Certificates (or CDs) with terms of six to 12 months and 90 days’ dividends for those with terms above 12 months.

IRA Term Share Certificates

These certificates are a great flexible addition to any retirement strategy! 

  • 6-month – 5-year terms
  • $1,000 minimum deposit
  • Receive a fixed dividend at the end of your term.

Advantage IRA Certificates

Smart options for short-term savings.

  • 6-month – 5-year terms
  • Share club IRA pays a monthly dividend rate
  • $1,000 minimum deposit for a share certificate and $250 for an IRA club

Learn more on the IRA page .

Please note that there are penalties for early withdrawal. The penalty is 30 days’ dividends for Term Share Certificates (or CDs) with terms of six to 12 months and 90 days’ dividends for those with terms above 12 months.

Club Accounts

For everything from holiday shopping, special occasions, education, taxes, and more our Club Account has you covered. Save over the course of the year and your funds will automatically be transferred into your other account at the end of October! Use our Club Account to start savings for:
  • Holiday shopping
  • Special occasions
  • Education
  • Taxes
  • And more!

Learn more on the Savings Account page.