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Money Market

Money Market accounts let you earn higher dividends on higher balances

Call us at 800-341-9911 or visit an office

Learn More

New Money Market $1,250 Bonus Offer

Bring $100,000 & get a $1,250 bonus, plus earn up to 3.25% APY*. Learn More!


A Money Market account combines the high dividend rate of a savings account with the check-writing feature of a checking account. Our tiered Money Market rates mean that higher balances earn a higher rate. Your funds are federally insured and not subject to market risks, so a Money Market can be a wise investment, especially if you have a large balance. You’ll also be able to access your Money Market funds at any time.


Get More Flexibility

  • No minimum balance, although you’ll need at least $10,000 to open a Money Market
  • No monthly maintenance fee
  • No minimum investment period
  • Free personal checks

More About Money Markets

A Money Market account is a specialized savings account, meaning there are additional rules to follow.

  • Minimum withdrawal amount is $250 or more
  • Minimum deposit amount is $100 or more

Free Money Market Technology Features


Other Free Money Market Features

Current Money Market Rates

Dividend Rate
Member Story

If you'd like to earn a higher rate while keeping flexible access to your funds, a money market account could be right for you! Royal Member Ben Lawton shares how Royal suggested a money market as a way to let his savings earn more.

How to Get Started


Not a Member?

If you don’t have any open Royal accounts, or if you're not the primary owner of an existing Royal savings account, use the button below to get started!

Already a Member?

If you already have an open Royal personal account, log in to online or mobile banking to start your new account application.

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Prefer to Visit an Office?

We're here to help open your account in person! Schedule an appointment to meet with a Royal expert at the office of your choice.