Money Markets. Say Hi to higher rates.

Get a higher dividend rate than you would with a traditional savings account, plus easy access to your money. All without being locked into a term. Pretty perfect way to save.

Gretchen, an Affinity Plus member, on a pink background
Gretchen, Minnesota Resident

What You Get

Safe Savings

Earn a higher dividend rate while keeping your savings safe with deposits insured up to $250,000.

Unlimited Deposits

Make deposits as often as you'd like, and watch your balance grow as your dividends compound monthly.

Easy Transfers

Get easy access to your money with transfers to and from your money market.

Our top-rated mobile banking app and online banking make transfers even easier.

Early Pay

Get your paycheck and other direct deposits up to 2 days early at Affinity Plus.

All you need to do is set up direct deposit with your payer.1

MyPlus Rewards™ Points

Earn 4 MyPlus Rewards points a month per $1,000 in average daily savings balances.

Take Your Pick

Superior Market Account

The very best rate of all our money markets, and no minimum balance! Because you deserve flexibility.

  • 4.000% APY for balances up to $25,000; portions over $25,000 earn 3.500%2
  • No minimum balance and no minimum balance fee
  • Must meet requirements to earn higher dividend rate3

This account can be opened online.

A+ Market Account

The A+ Money Market offers you a higher dividend rate than what you get with the Capitol.

  • $10,000 minimum balance to earn dividends
  • Subject to a minimum balance fee4

Please contact us to open an A+ Money Market account.

Capitol Money Market Account

Earn dividends on balances of at least $2,000; and your rate increases for balances over $5,000.

  • $2,000 minimum balance to earn dividends
  • Rate increase for balances above $5,000
  • Not subject to a monthly minimum balance fee

Please contact us to open an Capitol Money Market account. 

Nova Money Market Account

Of our 3 money markets without monthly requirements, the Nova earns the highest dividends.

  • $25,000 minimum balance to earn dividends
  • Subject to a minimum balance fee4

Please contact us to open a Nova Money Market account.

Getting Started is Easy

Not a member yet?

Membership is required for loans and accounts with us. But you can apply for most types and become a member at the same time.

Already a member?

Apply for loans and open additional accounts in the mobile banking app, from the More screen. Or log in to online banking, then click “Apply” in the upper-right.

We're here to help.

If you have questions or trouble getting back to your application, please contact us.

Stash Your Cash

Set your account to automatically round up your debit card purchases to the next dollar. The spare change goes right to your money market or any savings account, just like that.

Josh, a Minnesota resident, on a green background.
Josh, Minnesota Resident

Good to Know

  1. Your early access to direct deposits depends on the payer and when they submit their payment file. Affinity Plus usually makes these funds available the day we get the payment file, which can be 1 – 2 days earlier than the scheduled payment date.
  2. APY = Annual Percentage Yield. The dividend rate for balances over $25,000 is 3.445%. Rates effective 11/1/2023 and can change at any time without notice. Fees may reduce the earnings on these accounts and are subject to change at any time. Dividends are compounded monthly.
  3. To earn the higher dividend rate for this account, you must have direct deposit of $500 minimum each month (payroll, Social Security or unemployment) to any Affinity Plus checking, savings or money market account and be enrolled in digital statements. If you don't meet these requirements for a month, you'll receive a rate of 0.100% APY for that month. One Superior Money Market per membership.
  4. The A+ Money Market and Nova Money Market are subject to a minimum balance fee if the balance falls below the minimum balance.

Important Information & Disclosures

Service Fees: A simple explanation of exactly what you can be charged and when.

Truth-in-Savings Disclosure: The rates, terms and limitations that apply to your account.