Money Market
A higher rate with easy access
The San Saba Money Market pays more than regular savings and still lets you write checks and transfer funds when you need them.
Tiered rate
Earn 4.10% APY on balances of $2,500 and up.
Check writing
Write up to six checks a month from your money market.
Liquid
Transfer to checking any time without a penalty.
Secure
Protected by multi-factor sign in and real-time alerts.
Rates as of September 28, 2026
Money market rates
| Product | Term | Minimum | Interest rate | APY |
|---|---|---|---|---|
| San Saba Money Market | — | $2,500 | 4.02% | 4.10% |
Rates shown are illustrative figures for a fictional bank and are not offers of credit or deposit products.
How it works
Three simple steps
- 01
Sign in
Open a money market from the Accounts page in online banking.
- 02
Fund it
Move money in from checking or an external bank.
- 03
Earn
Interest accrues daily at the tier your balance qualifies for.
Questions
Frequently asked
Can't find your answer? Our Menard team is happy to help.
What is the minimum balance?+
You need $2,500 to earn the advertised APY. Balances below that earn the Pecan Savings rate.
Can I have more than one?+
Yes. Open as many as you need for different goals.
Ready to bank with neighbors?
Open demo checking and savings in about five minutes. No real money required.