Value Edge Money Market Account

Low risk, higher savings yield

With a Value Edge Money Market account, your savings has more interest-earning potential — meaning the more you deposit, the more you’ll add in compounding interest. 

Earn with Confidence, Access with Ease

Lock in up to 3.45% APY* for 12 months

Looking for a smart place to put your cash without giving up access? When you or your business opens a Value Edge Money Market account with at least $10,000 in new money, you’ll earn up to 3.45% APY* for 12 months on balances of $10,000 or more (0.71% APY* on balances under $10,000). With six free withdrawals per statement cycle ($25 fee for each additional), you can enjoy some spending flexibility without sacrificing premium interest. Click through to learn more or stop by your nearest branch today to get started! 

Details about UBT's MMA promotional rate

Great rates and room to grow

Besides the rates, there are lots of perks to a Value Edge Money Market account:

  • Open to both personal and business customers
  • Up to six free debit transactions allowed per statement cycle; a $25 fee per transaction will be assessed for each additional debit transaction
  • Ability to write checks and use a debit card 

When you’re ready to open an account, getting started is easy! Just stop by your nearest branch or open online!

Effective as of March 3, 2026

Money Market account rates

Value Edge Money Market Account

  $1,000 minimum to open $10,000 minimum to open
Balance APY** Promo APY*
Less than $10,000 0.71%

0.71%

$10,000 to $49,999.99 1.24%

3.45%

$50,000 to $99,999.99 1.82%

3.45%

$100,000 to $249,999.99 2.08%

3.45%

$250,000 to $499,999.99 2.32%

3.45%

$500,000+ 2.83%

3.45%

*Offer not valid for primary accountholder on either an existing Value Edge Money Market Account (MMA) or a Value Edge MMA closed within the last 120 days. Open a new Value Edge MMA and receive 3.45% Annual Percentage Yield (APY) on balances of $10,000 or more for 12 months from account opening; balances under $10,000 will earn an APY of 0.71%. After the first 12 months, the standard Value Edge MMA variable interest rate and APY tiers will apply, depending on the daily balance of the account. See current deposit account rates, rates subject to change. Fees may reduce earnings. $10,000 opening deposit required in new money. Promotion available 3/2/2026 to 4/30/2026. Cannot be combined with other offers. Member FDIC.

**The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings.

*Offer not valid for primary accountholder on either an existing Value Edge Money Market Account (MMA) or a Value Edge MMA closed within the last 120 days. Open a new Value Edge MMA and receive 3.45% Annual Percentage Yield (APY) on balances of $10,000 or more for 12 months from account opening; balances under $10,000 will earn an APY of 0.71%. After the first 12 months, the standard Value Edge MMA variable interest rate and APY tiers will apply, depending on the daily balance of the account. See current deposit account rates, rates subject to change. Fees may reduce earnings. $10,000 opening deposit required in new money. Promotion available 3/2/2026 to 4/30/2026. Cannot be combined with other offers. Member FDIC.