Money
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Calculators

Free Money Market Savings Calculators

Use our free calculators to determine how much you could earn with our free high yield money market savings account. Our Surge Money Market, Amplify Money Market and Momentum Money Market each offer members their own benefits. We’ve included the latest rates with each calculator to make using the calculators a little easier.

Surge Money Market Calculator

Use this free calculator to help determine how much interest you could earn each month with a Surge Money Market account. With a Surge account, you start earning interest on a balance as little as $1, making it a great option for people who are trying to establish a savings habit.

Surge Money Market Rates

Amount Interest Rate APY*
$1.00 - $2,500.00 1.982% 2.00%
$2,500.01 - $5,000.00 0.995% 1.00%
$5,000.01 - $10,000.00 0.500% 0.50%
$10,000.01 - $50,000.00 0.250% 0.25%
$50,000.01 + 0.150% 0.15%
Rates accurate as of May 28, 2024
*APY= Annual Percentage Yield. No minimum balance required to open Surge Money Market. Interest will be paid monthly on balances within each tier and in a blended fashion. The Surge Money Market is a variable rate share product with no set term. Limit one Surge Money Market Account per membership. Rates subject to change.

Average Daily Balance

This is the sum of each of the daily balances in a month divided by the number of days in the month. To keep this simple, on average how much is kept in your money market account.

Monthly Earnings

This is the estimated amount of interest you would earn on a monthly basis based on the average daily balance inputted above. It’s important to remember that these scenarios are hypothetical and that future interest rates can’t be predicted with certainty.

Annual Earnings

This is the estimated amount of interest you would earn on an annual basis based on the average daily balance inputted above. It’s important to remember that these scenarios are hypothetical and that future interest rates can’t be predicted with certainty.

APY

APY stands for annual percentage yield. This is the effective annual interest rate earned for this money market account.

Please Note: Information and interactive calculators are available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Amplify Money Market Calculator

Use this free calculator to help you determine how much interest you can earn with an Amplify Money Market. The Amplify account is built for people who have a little extra money to deposit, because as your balance increases to a new tier, so does your interest rate. It’s a great next step from the Surge Money Market.

Amplify Money Market Rate

Amnt Base Rate Base APY* Bonus Rate Bonus APY**
$0.01 and up 0.50% 0.50% 3.44% 3.50%
Rates accurate as of May 28, 2024
*APY = Annual Percentage Yield. Rates accurate as of 9/1/23. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. **An additional bonus dividend of 3.00% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based debit card transaction(s) per month (PIN-based transactions not eligible) on a Benefits Checking, Connect Checking or Simplified Checking account – please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.50% APY. Rates are variable and subject to change without notice. Insured by NCUA.

Momentum Money Market Calculator

Use this free calculator to help you determine how much interest you can earn with a Momentum Money Market. The Momentum account is built for people who have a little extra money to deposit, because as your balance increases to a new tier, so does your interest rate.

Momentum Money Market Rates

Amount Interest Rate APY*
$2,500.00 - $49,999.99 0.150% 0.15%
$50,000.00 - $99,999.99 0.30% 0.30%
$100,000.00 - $249,999.99 0.60% 0.60%
$250,000.00 - $499,999.99 0.80% 0.80%
$500,000.00 + 0.99% 1.00%
Rates accurate as of May 28, 2024
*APY= Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. By federal regulation, some restrictions may apply.

Average Daily Balance

This is the sum of each of the daily balances in a month divided by the number of days in the month. To keep this simple, on average how much is kept in your money market account.

Monthly Earnings

This is the estimated amount of interest you would earn on a monthly basis based on the average daily balance inputted above. It’s important to remember that these scenarios are hypothetical and that future interest rates can’t be predicted with certainty.

Annual Earnings

This is the estimated amount of interest you would earn on an annual basis based on the average daily balance inputted above. It’s important to remember that these scenarios are hypothetical and that future interest rates can’t be predicted with certainty.

Rate

The published interest rate for this money market account. Make sure to enter the actual interest rate, not the annual percentage yield (APY). It is important to remember that these scenarios are hypothetical and that future interest rates can’t be predicted with certainty.

APY

APY stands for annual percentage yield. This is the effective annual interest rate earned for this money market account.

Please Note: Information and interactive calculators are available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Information and interactive calculators are available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Zero Down Payment Offer

To make the process as simple as possible with our Zero Down Payment mortgage offer, we encourage you to speak with a mortgage expert so they can explain the requirements and guide you through the process!

Find An Expert Near You

Need Help? Contact us at 800.442.2800 and we will help you get started with the application process.