High-Yield Money Market

A high rate account for those wanting a little more.

Make more money without all the drama

Count on higher rates to put you in a better place

Don't let the fancy name fool you. 

A High-Yield Money Market savings account isn't some exotic investment that takes your money on a gut-twisting coaster ride, rising one day and plunging the next. Instead, think of it as a pumped-up savings account that's always racing ahead, growing your finances faster than usual but still letting you lay your hands on your cash anytime you need it.

Sit back and reap the benefits

A High-Yield Money Market is an ideal companion to an IRA or CFS Invest. Maximize saving goals with access to a ton of great benefits, products, and services!

Affordable

Affordable

No monthly service fee.

Simple Tiered Rate Structure

Simple Tiered Rate Structure

The bigger your balance, the more money you earn. Start earning dividends with a balance in the account of $2,500.

Increased Earnings

Increased Earnings

Higher interest rates than most traditional savings accounts.

Flexibility

Flexibility

Unlimited over-the-counter transactions and withdrawals.

Accessibility

Accessibility

Up to six electronic or non-personal transactions per month.

Convenience

Convenience

Use free Mobile Deposit to conveniently deposit checks.

★★★★★

The personnel are EXTREMELY Very Helpful & Knowledgeable of the products and Services they offer. Very Accommodating & Courteous to the customers.

~ Josephine G.

Great rates, fewer fees and personalized service!

~ Brain D.

Not sure which account is best for your needs? We can help.

Contact us and we can run through your needs and the many options we have available.

Contact Us

FAQs

In addition to our Go Savings, Additional Savings accounts, Youth Savings, Step Up Savings accounts, we also offer IRAs and certificates.

Learn more here.

You can! You can set up the transfer online, via fax, or in person at one of our branches.

Government regulations allow only 6 electronic or non-personal transfers, withdrawals, and checks from savings accounts per month.

If you go over 6, your signature will be required. A non-personal transfer is any transfer that is triggered by an event (e.g. ACH or overdraft protection) and happens automatically, or that requires a transfer request such as Online Banking or Tell-a-Phone.

In addition to automatic transfers and making deposits via our mobile app, you can also make deposits at our cooperating ATMs.

Make your deposit on business days before 3pm, and you’ll have immediate access to the first $500 of the amount you deposited.

When you activate cash-back offers with our Online Banking service, you’ll enjoy cash back into your account every month when you make purchases with your debit card.

You don’t have to sign up for anything, you’re automatically enrolled! Find out more here.

While there’s no monthly maintenance fee or required minimum balance for your account, you will need a minimum opening deposit of $2,500 to start earning a higher dividend rate on your savings!

Please note as well that standard fees on our fee schedule still apply.

Whether your savings are your emergency fund or simply a way to grow your money, we know you value your hard-earned money. Excite takes this responsibility seriously.

Your accounts are federally insured by the National Credit Union Administration (NCUA).

Unlike a commercial bank or financial institution that might also offer dividends on  checking accounts and savings accounts, credit unions are nonprofits that are owned by their members.

That means we don’t charge as much for borrowing with us (interest), and we can pay you more for trusting us with your money (dividends,) because we don’t have to share profits with shareholders, just members.

We can offer higher dividends to our members, as well as lower interest rates on loans and credit cards. As a result, credit union members are often saving more and earning interest at higher rates than customers at traditional banks.

We offer a range of business products and services, including savings accounts.

In addition to savings, we offer business checking, and business services, including support for:

  • Point of Sale (POS) purchases
  • Mobile processing
  • E-checks
  • Building brand equity
  • Growing revenue
  • Increasing market share
  • Streamlining procedures
  • Incorporating as an LLC or corporation
  • Official registration of your business name
  • Obtaining an EIN Tax ID
  • HR and payroll

Find out more about our business services here.

Step up to Membership

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.