Money Market
Money Market accounts let you earn higher dividends on higher balances
Call us at 800-341-9911 or visit an office
Open A New Checking Account And Get $250*
Just open a new checking account by May 31, receive two payroll direct deposits of $200 or more, and we’ll put $250 in your savings account. It’s that easy. Learn More!
A Money Market account combines the high dividend rate of a savings account with the ability to make transactions similar to 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
- No monthly maintenance fee
- No minimum investment period
- Checks available on request
More About Money Markets
- Money Market account funds are kept at Royal in a deposit account
- Money Market accounts are not subject to market risks
- Account funds are federally insured by NCUA
Free Money Market Technology Features
- Free real-time alerts via our mobile app, text message, or email
- Free online banking and free mobile app
- Free camera check deposit using the mobile app
Other Free Money Market Features
- Free direct deposit
- Free stop payments
- Free CompuTeller access
Current Money Market Rates
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.
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.
No minimum deposit to open account. No minimum balance to earn APY. Fees can reduce balance and earnings on account. *Offer valid on new Money Market accounts opened 02/22/2025 through 05/24/2025 with an initial minimum deposit of $100,000 in new money. Initial deposit cannot be made from funds contained in an existing Royal account or withdrawn, redeposited, or transferred from a Royal account during this promotional period. Existing Money Market accounts do not qualify. Public entity Money Market accounts do not qualify. Business indexed Money Market accounts do not qualify. Membership and account opening upon qualification. The first $500 reward will be deposited into the Money Market account within 14 days of account opening. The final $750 reward will be deposited into the Money Market account if the account has maintained a balance of at least $100,000 and remained open for 12 consecutive months from account opening date. Royal reserves the right to withhold final $750 reward if qualifications are not met based on Royal’s sole discretion during the 12-month time period. Limit of one account per Member may be included in promotion. Rewards subject to federal and state tax requirements. Royal reserves the right to terminate this promotion at any time. Refer to our Disclosures and Service Fees for more information. Insured by NCUA.