Maximize your money with 4.05% APY* on balances $100,000 and up
Open a new Premier Money Market account with at least $25,000 in new money before September 30, 2026, and take advantage of these great rates:
- 4.05% APY* on balances $100,000 and up
- 3.95% APY* on balances $25,000–$99,999.99
- 1.31% APY* on balances under $25,000
Plus, this exclusive offer is backed by a team of experts who are ready to help you do more with your money. Contact us today to get started.
A dedicated partner in your financial success
Our Private Banking team is here to help you make the most of your money — including this opportunity to earn premium interest! If you’re ready to get started, reach out to your dedicated Private Banker today, or fill out the form below.
Why should you choose a money market?
Simply put, for growth potential and ease of access, money markets can’t be beat! A money market is like a hybrid account that allows you to earn a higher interest rate compared to a regular savings account while still giving you the convenience of writing checks and making withdrawals.** Think of it as a smart financial tool that helps your money grow while providing you with the flexibility to access it whenever you need it.
**Six free debit transactions per statement cycle; $25 fee for each additional.
Frequently asked questions
What is a money market?
A money market account is designed for savers who want more earning potential than a traditional or high interest savings account, without committing funds to a fixed term. It’s often used for balances you want to keep liquid while still earning a competitive return. Rates are typically tiered based on balance, and money market accounts generally include guidelines around monthly transactions—helping balance strong earnings with convenient access. That makes it a great fit for money you want working for you, but still within reach.
What are the benefits of a money market?
You can get a high rate while having access to your money without locking away your funds. When you need spending flexibility but are focused primarily on savings, a money market account can give you some benefits of both savings and checking accounts.
What’s the difference between a money market and a traditional savings account?
You can earn interest on both savings accounts and money markets, but a Premier Money Market account offers you easy account access with up to six free debit transactions per statement cycle ($25 fee for each additional). Money markets offer more flexibility and usually come with a higher rate than most savings products.
How many transactions can I do a month?
You can make up to six free debit transactions per statement cycle; after that, there is a $25 fee for each additional debit transaction. One other thing to note: If you are adding this account as an external account for transfers, you’ll need to add it as a checking account.
What is APY?
APY stands for annual percentage yield, which is defined as the percentage rate for the total amount of interest paid on an account based on the interest rate and frequency of compounding for a 365-day period — or in layman’s terms, the percentage rate of how much interest you earn in one year. Higher APY = more earnings!
Why choose a Premier Money Market?
With a Premier Money Market account, you get the potential for stronger earnings plus everyday flexibility, like limited debit transactions and easy transfers. It’s an ideal middle ground for emergency funds, short term goals, or extra cash — earning more than a standard savings account, with the convenience and security of a trusted local bank.
*Offer not valid for primary accountholder on either an existing Premier Money Market Account (MMA) or a Premier MMA closed within the last 120 days. Open a new Premier MMA, deposit new money, and receive 4.05% Annual Percentage Yield (APY) on balances of $100,000 or more for 12 months from account opening; 3.95% APY on balances of $25,000 to $99,999.99; balances under $25,000 will earn an APY of 1.31%. After the first 12 months, the standard Premier MMA variable interest rate and APY tiers will apply, depending on the daily balance of the account. Rates subject to change. Fees may reduce earnings. $25,000 opening deposit required in new money. Premier MMA limited to Union Bank & Trust Private Banking clients. Promotion available 7/1/2026 to 9/30/2026. Offer can be changed or discontinued at any time without notice and cannot be combined with any other offer. If your balance is zero, we may close your account. Offer may not be available if you live outside of the Union Bank footprint. Member FDIC