Nonprofit Money Market Account
Higher dividends for 501(c)(3) organizations, with flexible access to funds. Grow your balance, grow your community.
See Current Rates for today’s figures.
Built for Nonprofit Organizations
This account gives registered nonprofits a higher dividend than a traditional savings account while keeping funds accessible. A nonprofit growing its reserves faster has more financial security and more capacity to do the work it exists to do.
What You Should Know
Dividends as High as 3.50% APY
Earn dividends as high as 3.50% Annual Percentage Yield.
501(c)(3) Organizations Only
Available to nonprofit organizations that are 501(c)(3) registered.
No Monthly Service Fee
There is no monthly service fee.
Six Transactions a Month
A limit of six transactions per month applies.
Flexible Access
Funds stay accessible rather than locked into a term.
Opening Requirements
What You Will Need
- Registered 501(c)(3) status
- IRS determination letter, IRS Form W-9, and IRS EIN confirmation letter
- No minimum opening balance
- Membership, with a $0.01 par share held on deposit
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
Nonprofit organizations that are 501(c)(3) registered.
General proof of active 501(c)(3) registry, together with an IRS determination letter, IRS Form W-9, and IRS EIN confirmation letter.
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.