Money Market Calculators
Use our free calculators to determine how much you could earn with our free high yield money market savings account. Our Surge Money Market, Amplify Money Market and Momentum Money Market each offer members their own benefits. We’ve included the latest rates with each calculator to make using the calculators a little easier.
Free High Yield Savings Calculators
Surge Money Market Calculator
Use this free calculator to help determine how much interest you could earn each month with a Surge Money Market account. With a Surge account, you start earning interest on a balance as little as $1, making it a great option for people who are trying to establish a savings habit.
Surge Money Market Rates
| Amount | Interest Rate | APY* |
|---|---|---|
| $0.01 - $1,000.00 | 3.93% | 4.00% |
| $1,000.01 - $2,500.00 | 1.98% | 2.80% - 4.00% |
| $2,500.01 - $5,000.00 | 0.99% | 1.90% - 2.80% |
| $5,000.01 - $10,000.00 | 0.50% | 1.20% - 1.90% |
| $10,000.01 - $1,000,000.00 | 0.25% | 0.26% - 1.20% |
| Rates accurate as of Dec 14, 2024 | ||
| *APY = Annual Percentage Yield. Rates accurate as of 11/1/24. $.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Rates are variable and subject to change without notice. Insured by NCUA. | ||
Average Daily Balance
This is the sum of each of the daily balances in a month divided by the number of days in the month. To keep this simple, on average how much is kept in your money market account.
Monthly Earnings
This is the estimated amount of interest you would earn on a monthly basis based on the average daily balance inputted above. It’s important to remember that these scenarios are hypothetical and that future interest rates can’t be predicted with certainty.
Annual Earnings
This is the estimated amount of interest you would earn on an annual basis based on the average daily balance inputted above. It’s important to remember that these scenarios are hypothetical and that future interest rates can’t be predicted with certainty.
APY
APY stands for annual percentage yield. This is the effective annual interest rate earned for this money market account.
Please Note: Information and interactive calculators are available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Amplify Money Market Calculator
Use this free calculator to help you determine how much interest you can earn with an Amplify Money Market. The Amplify account is built for people who have a little extra money to deposit, because as your balance increases to a new tier, so does your interest rate. It’s a great next step from the Surge Money Market.
Amplify Money Market Rate
| Amnt | Base Rate | Base APY* | Bonus Rate | Bonus APY** |
|---|---|---|---|---|
| $0.01 and up | 0.50% | 0.50% | 3.93% | 4.00% |
| Rates accurate as of Dec 14, 2024 | ||||
| *APY = Annual Percentage Yield. Rates accurate as of 11/1/24. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. **An additional bonus dividend of 3.50% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account – In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 4.00% APY. Rates are variable and subject to change without notice. Insured by NCUA. | ||||
Momentum Money Market Calculator
Use this free calculator to help you determine how much interest you can earn with a Momentum Money Market. The Momentum account is built for people who have a little extra money to deposit, because as your balance increases to a new tier, so does your interest rate.
Momentum Money Market Rates
| Amount | Interest Rate | APY* |
|---|---|---|
| $2,500.00 - $49,999.99 | 0.150% | 0.15% |
| $50,000.00 - $99,999.99 | 0.30% | 0.30% |
| $100,000.00 - $249,999.99 | 0.60% | 0.60% |
| $250,000.00 - $499,999.99 | 0.80% | 0.80% |
| $500,000.00 + | 0.99% | 1.00% |
| Rates accurate as of Dec 14, 2024 | ||
| *APY= Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. By federal regulation, some restrictions may apply. | ||
Information and interactive calculators are available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
