Higher balances. Higher returns.
Earn more with a Signature Money Market.
Turn bigger savings into bigger earnings.
Strengthen your savings strategy by adding a Signature Money Market1 to your portfolio.
- Competitive, tiered rates
- Deposit or withdraw as needed
- No monthly service fee
- Dividends paid monthly
- 24/7 digital banking access
- $10,000 minimum opening deposit
Saving just got seriously rewarding.
Earn premium dividend rates on your deposits with our new, tiered Signature Money Market.
2.60% APY*
$500,000 +
2.50% APY*
$250,000 - $499,999
2.25% APY*
$100,000 - $249,999
2.00% APY*
$50,000 - $99,999
1.25% APY*
$10,000 - $49,999
.05% APY*
$0 - $9,999
New to Kinecta?
Become a member to open a Signature Money Market online today.
Interested in a fixed-term?
Check out our limited-time promotional certificate2 offers.
- Higher dividends on larger balances than a liquid savings
- Funds locked for a set term
- Deposit as little as $100
Looking for a strong return on less cash?
Take a look at our High Yield Savings3 account.
- Start with as little as $25
- Deposit or withdraw funds anytime
- Earn over 8x above the national savings average3
Frequently Asked Signature Money Market Questions
A money market account is a savings account that offers competitive, tiered interest rates based on your balance. It provides the opportunity to earn more on larger balances while still maintaining access to your funds.
Dividends on your money market account are accrued daily and credited monthly. The rate you earn depends on the balance tier in your account.
This account is ideal for members with higher balances who want to earn more on their savings while maintaining liquidity and easy access.
While there is a minimum $10,000 opening deposit, there’s no minimum balance requirement or monthly maintenance fee. However, higher balances qualify for higher dividend tiers. Talk to a Personal Financial Advocate to ensure you open the account most suitable for you if you don’t intend to keep a higher balance in this account.
Yes — you have 24/7 access to your funds via online banking and the mobile app.
Our Signature Money Market offers higher rates on larger balances, while the High Yield Savings account provides more competitive rates for lower balance tiers and has a lower initial deposit requirement. Speak with a Personal Financial Advocate if you are not sure which account best suits your needs.
Yes — deposits in this account are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
There is no minimum balance requirement and no monthly service fee for the Signature Money Market.
Membership requirements apply. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
*Annual percentage yield (APY) is accurate as of 1/21/26 and may change without notice until the account is opened.
1Signature Money Market: The minimum balance required to open account is $10,000. Dividend rate subject to change without notice after account opening. The minimum balance requirements applicable to each tier, corresponding dividend rates and minimum balances to earn the disclosed annual percentage yields appear on the Dividend Rate Sheet. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account.
2Promotional Certificate: Minimum balance to open regular share certificate and obtain APY is $100. The minimum balance to open jumbo share certificate and obtain APY is $100,000. This is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. APY may change without notice until the account is opened. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.
3High Yield Savings: Dividends accrued daily and paid monthly. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and certificates as of 4/15/2025. Actual earnings dependent upon account balance and rate tier.