RMO Bank Deposit Products: FDICFDIC-Insured - Backed by the full faith and credit of the U.S. Government
RMO

Part of RMO Bank →

Money Market Accounts

Get the best of both worlds — earn higher interest rates like a savings account with the flexibility of checking access. RMO money market accounts are built for members who want their money working harder.

Higher APY Check Writing FDIC Insured
Features

What comes with your account.

Tools and features to help you manage and grow your money.

Tiered Rates

Earn higher APY as your balance grows — the more you save, the more you earn.

Flexible Access

Write checks or use your debit card while still earning competitive interest on your balance.

FDIC Insured

Your deposits are insured through our partner banks for added security.

Digital Management

Full access from the MyRMO app — transfers, statements, and balance tracking anytime.

Why RMO

Why members choose us.

More than just an account — a membership that works for you.

Best of Both

Higher yields than checking with more flexibility than CDs — the smart middle ground.

Competitive Rates

Our money market rates are designed to reward members who maintain higher balances.

No Lock-in

Unlike CDs, your money stays accessible — withdraw or write checks when needed.

Support

How can we help?

Have questions? We've got you covered.

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 2026-05-10 and are subject to change without notice. Fees may reduce earnings. See the deposit account agreement and rate sheet for full terms, conditions, and any applicable transaction limits.
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