Ultimate Money Market - Earn 230 - Northpointe Bank

Earn 10x the national average savings rate**

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*Annual Percentage Yield effective 07/31/19. Rates are subject to change without notice. Tier 1 $0.00 – $2,499,99: 0.20% APY; Tier 2 $2,500.00 - $24,999.99: 0.25% APY; Tier 3 $25,000.00 - $1,000,000.00: 2.30% APY; Tier 4 $1,000,000.01+: 0.50% APY. Fees may reduce earnings on the account. All new accounts are subject to Northpointe Bank approval. Not valid with any other offers. **10x the national average based on data extracted by NCUA from S&P Global Market Intelligence databases on 6/28/19.

Estimate how much you could earn in a year


More bucks for your bank

Money market comparison graph

Graph above based on a $100,000.00 account balance per year. National average bank and credit union rates based on data extracted by NCUA from S&P Global Market Intelligence databases on 6/28/19.


Features + Benefits

Great rate
Mobile check deposit
100% US-Based Customer service

Frequently asked questions

1. Are you FDIC insured?

Yes, Northpointe Bank is FDIC insured. Our FDIC number is #34953.

2. Does the promotional rate apply to the full balance or just the amount over $25,000?

The 2.30% APY applies to the full balance if the balance is between $25,000 - $1,000,000.

3. How can I move money in and out of the account?

There are several options for moving funds in and out of the account:

Deposits In

  1. Mobile Check Deposit via our Mobile Banking App – transaction limits vary by account
  2. ACH in initiated via our External Transfer service within Online Banking – up to $25k per day & $250k per month
  3. ACH in initiated from your bank, credit union or PayPal/Venmo type service – no transaction limits
  4. Wire transfer in – no transaction limits
  5. Mail us a personal check, cashier’s check, or bill pay check – no transaction limits

Withdrawals Out

  1. ACH out initiated via our External Transfer service within Online Banking – up to $25k per day & $250k per month
  2. ACH out initiated from your bank, credit union or PayPal/Venmo type service – no transaction limits
  3. Wire transfer out (fee applies) – no transaction limits
  4. We can mail you cashier’s check via USPS delivery (fee applies) – no transaction limits

4. Can the account be opened in the name of a trust?

Yes, we allow accounts to be titled in the name of a trust.  As an alternative, you can also designate the trust as a beneficiary. 

5. Do you offer checks, debit card, or bill pay on this account?

Yes, we offer checks, bill payment and debit cards on this accounts. These services can be requested after account opening via our Customer Service team. There is a nominal fee for checks.

6. What are the fees and minimum balance requirements?

There is no monthly maintenance fee or minimum balance requirement to avoid a fee. Our full fee schedule can be reviewed here: https://www.northpointe.com/fee-schedule/

7. How is the interest calculated and when is it credited?

Interest is calculated on the daily balance and credited monthly at month-end. Account closed mid-month will earn all accumulated interest.

8. Is this account available on business or non-profit accounts?

No, this offer is limited to consumer accounts and is not available on business, non-profit or public funds deposit accounts.

*Annual Percentage Yield effective 07/31/19. Rates are subject to change without notice. Tier 1 $0.00 – $2,499,99: 0.20% APY; Tier 2 $2,500.00 - $24,999.99: 0.25% APY; Tier 3 $25,000.00 - $1,000,000.00: 2.30% APY; Tier 4 $1,000,000.01+: 0.50% APY. Fees may reduce earnings on the account. All new accounts are subject to Northpointe Bank approval. Not valid with any other offers. **10x the national average based on data extracted by NCUA from S&P Global Market Intelligence databases on 6/28/19.