If you want to earn competitive interest and also have access to your money, you can choose a Citizens-Union Money Market Access Account. This account is offered with a passbook or a statement.

With a passbook, you have unlimited in-person transactions. If you choose the statement, you also have unlimited in-person transactions or you can access your account with your cubLink ATM card. You are also permitted to have 3 checks clear per statement period. Transfer limitations exist.

The minimum balance to open the account is $1,000. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed Money Market APY. Your account reverts to the NOW account interest rate for each day the balance falls below $1,000. Interest is compounded and paid monthly. Your interest rate may change after the account is opened. Maintenance or activity fees could reduce earnings.

If your average daily balance falls below the $1,000 minimum for the (monthly/statement) period, you will be assessed a $2.50 monthly service charge.