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Do you want to put your money to work but keep cash handy in case of emergency? Consider a money market account. A money market account is like a savings account, but with a higher dividend rate. The more money you deposit, the higher the return.

Money market dividends are calculated daily, and the funds can be accessed any time, with up to six withdrawals each month without incurring a fee. Certain remote or automatic transactions methods are limited by regulations.

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Get Details
Money Market Accounts - Rates Effective as of September 18, 2019
Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open Title-Date More Info
$0—$999 0.050% 0.050% $1,000.00 $1,000.00
$1,000—$9,999 0.050% 0.050% $1,000.00 $1,000.00
$10,000—$49,999 0.100% 0.100% $10,000.00 $1,000.00
$50,000—$99,999 0.150% 0.150% $50,000.00 $1,000.00
$100,000+ 0.150% 0.150% $100,000.00 $1,000.00

* Fees could reduce earnings on these accounts. Rates may change at any time, including after account is opened.

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Money Market Account FAQs

Eligibility for membership:

  • Any person who lives, works, or attends school in the State of Washington
  • Any person who lives or works in the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill
  • Any immediate family member of an existing iQ member. This includes:
    • Spouse, parents, grandparents, children, grandchildren, brothers, sisters, aunts, and uncles; also including “half” and “step” siblings, parents, and grandparents; and
    • Domestic partner of a member
  • Members of the Pacific Foundation for Blind Children (PFBC) who live or work within the state of Oregon
  • Certified or Classified school employee within southwest Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) that are legal entities within the State of Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) located within the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill

Minimum deposit to open an account:

  • General Membership (21 and older)- $5.00
  • Minor Accounts (20 and younger)- $5.00
  • Non-Profit Organizational Accounts- $5.00
  • Business Accounts- $5.00

Other Requirements:

  • Government-issued ID with photo with current address: Driver’s license, State ID, U.S. Passport, U.S. Armed Forces ID card
  • Your Social Security Number (SSN) or Tax Identification Number (TIN)
  • Current rental agreement, utility bill or mortgage statement for address verification

Association, Club, & Organization Accounts:

  • Meeting minutes outlining the title of the Authorized Signers
  • Valid ID for all signers
  • EIN is required

There are limits imposed by Federal Regulation D on the number of transfers you can make from your Savings or Money Market Account. (These are remote or automated transfers without your physical presence at a branch.) The types of transfers subject to these limitations include:

  • Overdraft transfers made automatically to cover insufficient funds
  • Transfers made by Member Service Representatives on your behalf that are requested by phone or secure email
  • Automated, scheduled, preauthorized, or recurring transfers
  • Transfers made through online or mobile banking
  • Transfers made through telephone banking

Six transfers are allowed per savings account per calendar month, either to another iQ account or to a third party.

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