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Smart Money Market

A stable and high-performing interest earning account made for long-term savers.*
Rate Board
Deposit Tiers APYs (Annual Percentage Yields) as of 9/15/17
$100,000 or more 1.08%
$50,000 - $99,999.99 0.80%
$10,000 - $49,999.99 0.60%
$0.01 - $9,999.99 0.25%

Info
Competitive APY Stays Competitive

The Smart Money Market APY for deposits of $100,000 or more is high compared to the majority of American banks, and is designed to stay that way.

Competitive Yield Guarantee**

We guarantee that the Smart Money Market APY, for deposits of $100,000 or more, will be set to at least 3 times the Money Market National Average for deposits of $100,000 or more, as reported by the FDIC.

Stay In Control of Your Money

The ability to write checks and make ATM withdrawals means that you can access your money anytime.

A Smart Long-Term Investment

With a competitive APY that’s designed to stay competitive into the future, and anytime access to your money, the Smart Money Market account is an empowering long-term investment.

We hope you’ll agree that this is the last time you’ll want to move your savings.


To learn more, call 855-678-FAIB (3242), or stop by any branch.

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*e-Statement via Online banking required. $15,000 minimum opening balance. Rates below $100,000 are subject to change without notice. Fees may reduce earnings: $5 monthly service fee if balance falls below $5,000. If pre-authorized debits, such as phone, online or automatic transfers exceed 6 per month, a fee of $15 will be charged for each debit over the allowed 6 per month. We may change your account to a checking account for repeated occurrences. New money required. 


** Competitive Yield Guarantee : APY, for deposits of $100,000 or more, set to at least 3 times the Money Market National Average for deposits of $100,000 or more, as reported by FDIC.gov (https://www.fdic.gov/regulations/resources/rates/) weekly. The rate will be reviewed the first Friday of every month, and adjusted on the following Tuesday, if necessary to meet guarantee requirements. APY calculation method subject to change with 30-days’ notice.