Money Market Account
Earn a tiered yield on a higher balance while keeping the money accessible, with check writing included.
See Current Rates for today’s figures.
Liquid Savings With Check Writing
A Money Market account earns a higher dividend rate than a standard share account while keeping your funds available. The rate is tiered by balance, so a larger balance earns more. It suits members holding a reserve they want working but reachable.
What You Should Know
Tiered Rate by Balance
The dividend rate is determined by your balance.
Check Writing
Write checks against the account.
$2,000 Minimum Opening Balance
A minimum opening balance of $2,000 is required.
What You Will Need
- Waypoint membership
- A $2,000 opening balance
- Photo identification and Social Security number
- No monthly transaction limit applies.
Current Rates
Kasasa Cash
As high as
3.50%APY¹
Kasasa Saver
As high as
3.00%APY¹
Check 24
As high as
3.00%APY¹
Youth Super Saver
As high as
4.00%APY¹
APY = Annual Percentage Yield. Rates effective October 1, 2026 and subject to change without notice. Kasasa Cash rate applies to balances up to $15,000 when certain criteria are met. Kasasa Saver rate applies to balances up to $50,000 when certain criteria are met. Youth Super Saver rate applies to the first $10,000 on deposit. Check 24 rate applies to the first $2,500 on deposit. See product pages for full details.
Open an AccountView all savings and deposit account rates
| Account Type | APY | Minimum Required Balance |
|---|---|---|
| Share Savings | 0.05% | N/A |
| Share Club | 0.05% | N/A |
| Health Savings | 0.25% | N/A |
| IRA Share | 0.10% | $50 |
| Youth Super Saver | 4.00% | N/A |
| Kasasa Saver: Qualified, below cap | 3.00% | N/A |
| Kasasa Saver: Qualified, over cap | 1.50% | $50,000 |
| Kasasa Saver: Non-qualified | 0.05% | N/A |
| Kasasa Cash: Qualified, below cap | 3.50% | N/A |
| Kasasa Cash: Qualified, over cap | 0.30% | $10,000 |
| Kasasa Cash: Non-qualified | 0.05% | N/A |
| Nonprofit Money Market: Tier 1 | 0.30% | N/A |
| Nonprofit Money Market: Tier 2 | 3.00% | $10,000 |
| Nonprofit Money Market: Tier 3 | 3.50% | $100,000 |
| Money Market: Tier 1 | 0.10% | $2,000 |
| Money Market: Tier 2 | 0.15% | $25,000 |
| Money Market: Tier 3 | 0.20% | $50,000 |
| IOLTA Checking | 0.75% | N/A |
| Check 24 | 3.00% | N/A |
| Health Savings Account Money Market: Tier 1 | 0.25% | <$1999.99 |
| Health Savings Account Money Market: Tier 2 | 2.50% | $2,000 – $9,999.99 |
| Health Savings Account Money Market: Tier 3 | 3.00% | $10,000 – $24,999.99 |
| Health Savings Account Money Market: Tier 4 | 3.50% | $25,000+ |
Common Questions
Waypoint files it under checking and it does allow check writing, but it behaves more like savings: a higher tiered yield, a minimum balance, and a six-transaction monthly limit.
No. The six-transaction monthly limit that used to apply is no longer in place.
No. Money market rates are variable and tiered by balance. Rates change. See Current Rates for today’s figures.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union representative will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Open online, or book a time at any Waypoint branch.
Important Disclosures
Federally insured by NCUA.
APY = Annual Percentage Yield. Rates are accurate as of 16 September 2026, are variable, and may change after the account is opened. Fees may reduce earnings.
Kasasa Cash and Kasasa Saver rates depend on meeting the monthly qualifications. Cycles that do not qualify earn the stated non-qualified rate.
Youth Super Saver: the stated rate applies to the first $10,000 on deposit. Check 24: the stated rate applies to the first $2,500 on deposit.
Health Savings Account: special rules govern the use of HSA funds, withdrawals and deposit limits. See a Waypoint representative for an account agreement and additional disclosures, and see your tax advisor about the tax advantages and liabilities of an HSA.