Legacy Apex Credit Cards, Bank, and Loans - Personal and Business

Build a dream that lasts.

Start saving today with one of the nation's best rates.

What's a Money Market® account?

A high-interest, fee-free online bank account that helps you save.


Annual Percentage Yield

Earn one of the nation's best online money market rates for balances over $10,000


No monthly fees to open or keep your account

Member FDIC

All deposits FDIC-insured up to the allowable limits

Save more with Money Market.

The right features to keep your money moving forward.

High Interest Icon

High Interest

Get a 1.60% APY on account balances of $10,000 or more, or a 0.85% APY money market rate on account balances below $10,000.

Digital Tools Icon

Digital Savings Tools

Use innovative tools like My Savings Goals and Automatic Savings Plan to help keep your eye on the savings prize.

Top Rated Mobile App Icon

Top Rated Mobile App

Deposit checks from the couch and check your balance on-the-go with secure mobile banking.

Savings come in all shapes (and balances). If your account balance is under $10,000, you can still earn a great everyday rate with a Savings® Account.

A money market rate that saves as hard as you do.

It's time to put your savings to work.

Account Balance Annual Percentage Yield (APY)
$0 - $9,999.99 0.85%
$10,000 or more 1.60%

APYs are variable and effective 5/11/2018.

"I love my Legacy Apex Money Market account! Just like the rest of the Legacy Apex products I have…the rates are great and it is easy to use the online services!"

Criseyda M., New York, NY

Do more with your savings.

Don't just set it and forget it-grow it. A 1.60% APY money market rate on total account balances over $10,000 or more means you'll get more for saving more, including more time to turn dreaming into doing.

Keep your savings saved.

Your savings are where your dreams are. All Money Market deposits are FDIC-insured up to the allowable limits to make sure your savings stay put until you reach your goals.

Track your savings on the go.

Easy account transfers

Move your money between linked Legacy Apex accounts or an external bank account.

Automatic savings plans.

Keep your savings growing with automatic transfers.

Savings goals on the go.

Track your progress and celebrate the Great Saves.

Mobile check deposit.

Deposit checks anytime, anywhere.

Learn More

Money Market: 101

Unlock everything you need to know to open a Money Market account today.
For answers, just click the arrow next to each question below.

  • What's a money market account?

    A money market account is a type of savings account that typically comes with a higher interest rate based on the deposit amount. Money market accounts are not the same as money market funds, and aren't affected by the stock market. Money market accounts are FDIC-insured bank accounts, while money market funds are mutual funds like stocks and bonds.

  • What's the difference between a Money Market account and a Savings account?

    Both Money Market and Savings are online accounts that earn interest and give you easy access to your money. Each comes with easy-to-use online tools to help you save. However, the Money Market account includes the same great features-like no fees-and pays one of the nation's best savings rates for accounts with balances of $10,000 or more. Savings has no fees and no minimums, while offering the same great rate regardless of your account balance.

  • Do I have to have $10,000 or more in my savings to open an account?

    Not at all- Money Market accounts don't require a minimum balance to open and keep your account. If your account balance is under $10,000 or more, you'll still get a 0.85% APY. Then once your balance hits $10,000 or more, you'll start earning 1.60% APY on your total account balance. If your savings are under $10,000 or more, you also have another option: earn 1.00% APY on your current account balance with a Savings account (rates variable).

  • How do I make a deposit?

    Use the Transfers & Deposits tab on your account to transfer cash from a linked account, make a deposit using the top rated mobile app, or start saving on your schedule with an Automatic Savings Plan.

  • How do I make a withdrawal?

    You can make a deposit or withdrawal using your computer, mobile phone, or by giving us a call. Sign into your account online, call our Interactive Phone Service, or call and speak to a Legacy Apex Associate. And remember, savings accounts are for saving, so you'll only be able to make up to 6 withdrawals a month due to federal laws. That includes internal transfers from Money Market accounts. If you need to make more transfers, head over to Checking for a checking account with no withdrawal limits.

  • How do I transfer money?

    The checking account you use to make your first deposit will automatically link to your Money Market account. You'll be able to easily transfer funds between the two accounts and set up an Automatic Savings Plan.

  • Can I link my Money Market account to other accounts?

    Absolutely. You can link your Money Market account to another Legacy Apex ® account or an external account with another bank. If you already have a Legacy Apex® account, your accounts will automatically link.

  • What are my Money Market account options?

    You can set up two types of Money Market accounts: single or joint. As a single account holder, you'll be the only one able to access and manage your account. A joint account allows you to share account access with another account holder, meaning you both can log into the account, make deposits and withdrawals, and transfer money.

  • Can I open a Money Market account at a Legacy Apex® branch?

    Life doesn't just happen within business hours. That's why Money Market and other accounts are online-only-so that you can bank on your schedule. While accounts can't be opened at a Legacy Apex branch, they still come with awesome free digital tools (and a top-rated mobile app) to help you manage your money, anytime, anywhere. If "anywhere" does happen to be near a Legacy Apex branch, stop by to learn more about additional banking options only available at our branch locations.

Find an ATM or Legacy Apex Café near you.

When you need us, we'll be there. Make deposits and withdraw cash at a Legacy Apex ATM near you or experience banking reimagined at a Legacy Apex Café.

Already in the neighborhood?

These products are available online, on your phone, and in Legacy Apex Cafés. If you live near a Legacy Apex location, find the Legacy Apex near you or talktalk to a Legacy Apex associate to learn more about our branch products.

See what other Legacy Apex customers are saying.

927 reviews
" "

"I moved my money over when Legacy Apex offered [an] interest rate that's really a no brainer to go for. I highly recommend making the switch if you haven't already."

Sarah T., Ojai, CA

"My [ Money Market] account allows me to save for my goals while providing me a very competitive rate."

Shannon M., Aston, PA

"It's a wonderful product and I can access my account very easily. The interest is far superior than my local bank."

Carmen G., Fort Mill, SC

Money Market accounts don't come with debit cards or the option to write checks.

Mobile Deposit is available only in the U.S. and U.S. Territories. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges.

For certain banking products we offer, fees assessed at any ATM within the United States and at some ATMs located outside the United States will be reimbursed within 5 business days, up to $15 per statement period.

At certain ATMs owned and operated by Legacy Apex Bank located in gaming establishments and at certain other non-branch locations having no Legacy Apex signage, you may be charged a fee up to $4.99 for each cash withdrawal. The amount of the fee varies by location and will be displayed on the ATM screen. You will be given an opportunity to cancel the transaction before the fee is imposed. Fees could reduce earnings on the account.

Based on a 4.6/5 star customer rating on the Google Play Store and a 4.5/5 star customer rating on the Apple App Store as of 02/05/2018.

Questions? Get real answers, from real people.

Phone, social media, Morse code (okay maybe not Morse code). Talk to a Legacy Apex associate today-no SOS required.