Deposit Diary Daily #347
Best Nationally Available Reverse Tier Savings/MMA (5 May 2025)
What is a Reverse Tier Savings Account/MMA?
A Reverse Tier Savings Account or Money Market Account is a financial product designed to offer higher interest rates on the initial portion of your balance. Unlike traditional savings accounts where larger balances yield better rates, the reverse tier structure incentivizes small savers by providing a higher annual percentage yield (APY) on the first segment of their deposits, tapering off as the balance grows.
Recent Changes
Decreases
All America Bank • Mega Money Market Account • 4.25% (▼15 bps) (up to $100k), 0.50% ($100k+)
Redneck Bank • Mega Money Market Account • 4.25% (▼15 bps) (up to $100k), 0.50% ($100k+)
Affinity Plus Federal Credit Union • Superior Money Market • 3.40% (▼10 bps) (up to $25k), 3.10% ($25k+)
Affinity Federal Credit Union • SmartStart Savings • 3.25% (▼25 bps) (up to $10k), 0.75% ($10k+)
Workers Credit Union • SaveUp Savings • 2.38% (▼15 bps) (up to $1k), 0.35% (▼15 bps) ($1k-$99,999k), 0.85% (▼15 bps) ($100k+)
The five highest rate nationally available Reverse Tier Accounts from banks and credit unions as of May 5, 2025 are listed below.
Andrews Federal Credit Union • Online Savings Account • 5.75% (up to $1k), 0.05% ($1k+)
Michigan State University Credit Union • Savings Builder • 5.25% (up to $1k), 3.75% ($1k-$2k), 1.20% ($2k+)
Blue Federal Credit Union • Accelerated Savings • 5.00% ($25-$1k), 1.00% ($1k-$5k), 0.50% ($5k-10k), 0.25% ($10k-$50k), 0.15% ($50k+)
All American Bank • Mega Money Market Account • 4.25% (▼15 bps) (up to $100k), 0.50% ($100k+)
Redneck Bank • Mega Money Market Account • 4.25% (▼15 bps) (up to $100k), 0.50% ($100k+)
Spreadsheet
The attached spreadsheet includes 13 nationally available Reverse Tier Savings and Money Market Accounts. The links go directly to each financial institution’s rate page or product landing page.
