Money Market Accounts

The best of both worlds: a competitive APY with the flexibility to access your cash when you need it. FDIC-insured and built for working savings.

Competitive APY Check & Debit Access FDIC-Insured

Features

Yield with everyday access.

Earn more without giving up flexibility.

Competitive APY

Earn a member-rate yield that's typically higher than standard savings.

Check & Debit Access

Reach your money with checks and a debit card, subject to transaction limits.

Tiered Rates

Higher balances can earn higher rates — see the products page for tiers.

FDIC-Insured

Protected up to applicable FDIC limits.

Products & Rates

Compare money market rates.

View RMO money market APYs and tiers, and see how they compare to Ally and Discover.

View Money Market Products →

See how RMO compares:

vs. Ally MMA → vs. Discover MMA →

Learn

New to banking with RMO?

Our plain-English banking guides explain how to choose an account, how FDIC insurance works, savings vs. CDs, avoiding fees, and more.

Read the Banking Guides →

FAQ

Frequently asked questions

How is a money market account different from savings?

A money market account typically offers a higher tiered yield and adds check/debit access, while standard savings is simpler with fewer access options.

Are there transaction limits?

Money market accounts may limit certain withdrawal types per statement cycle. Current limits are shown on the products page.

Is it FDIC-insured?

Yes. RMO money market accounts are FDIC-insured up to applicable limits.

Support

How can we help?

We're here whenever you need us.

FAQs

Find answers to common questions about accounts, fees, and services.

Talk to Us

Reach our member services team by phone, email, or chat for personalized help.

Visit Us

Find a retail center near you for in-person service, appointments, and support.

FDIC Insurance. RMO Bank deposit accounts are FDIC-insured up to applicable limits ($250,000 per depositor, per insured bank, per ownership category). APYs and fees are accurate as of the date shown on each product page and are subject to change without notice. Fees may reduce earnings. Check-cashing and currency-exchange services are offered through RMO Financial and are not deposit products. See the applicable account agreement, rate sheet, and fee schedule for full terms, conditions, and any transaction limits.

Disclosure. This page is general educational information. Deposit accounts and banking services are offered through RMO Bank. RMO Bank deposit accounts — checking, savings, money market, and certificates of deposit — are insured by the FDIC up to the maximum amount permitted by law. Account terms, fees, and rates are disclosed in the applicable account agreement and fee schedule, which govern.