Impact Money Market

High-Yield Rates meet Community Impact

Introducing the Impact Money Market Account — earn a great rate while supporting communities in need.

Open an Impact Money Market Account today to grow your savings and help strengthen underserved communities. Your deposits do more than earn interest — they help provide financial education that gives people the tools to build brighter financial futures, and they support underserved families on their path to homeownership and long-term stability. With every deposit, you’re helping lay the foundation for lasting generational wealth.

5.00% Rate (3.88% APY)¹

Special Rate for the first 90 days with new money. After 90 days, rate is 3.45% (3.50 APY)¹.
$5,000 minimum deposit to earn special rate¹.
Notifi Real-Time Alerts², Online & Mobile banking³
$15 monthly fee is waived if maintain $5,000 balance.
Mastercard® Debit Card with ID Theft Protection and more!
Access to approximately 40,000 ATMs nationwide.

Small Team. Mighty Impact.

Grand.bank's^® Community Impact at a Glance:

During 2023-2025:

656

volunteer hours were contributed during over 78 unique volunteer events

$100,174,103

of our total loan volume was given to borrowers in low-to-moderate income communities promoting homeownership and improving financial well-being.

45,845

free financial education resources were provided

Learn more about how we're putting your deposits to work to make a difference,
please click here to visit Our Impact page.

Minority Depository Institution (MDI)

As a Minority Depository Institution (MDI), we are dedicated to driving financial empowerment and economic growth in underserved communities. By offering safe, fair, and affordable banking products — such as affordable banking accounts, mortgages, and credit building — we help new homeowners, support families in building generational wealth.

Giving Back to Our Community

Community is at the heart of everything we do. Through our Giving Back Program, we proudly partner with local organizations and nonprofits to foster a culture of generosity and meaningful community engagement. We encourage our associates to volunteer with the causes that matter most to them—and we support their commitment through our corporate PTO Match program. Together, we create “GRAND” moments and drive lasting positive change in the communities we serve.

Grand Bank volunteer painting a door for Habitat for Humanity — Habitat for Humanity

Grand Bank team presenting a donation check to DAV Chapter 2 representatives — DAV (Disabled Veterans) Donation

Grand Bank employees working with children at Salvation Army Boys and Girls Club — Salvation Army Boys and Girls Club

Grand Bank volunteers packing food at Extra Table — Extra Table Food Packing

Grand Bank employee holding a teddy bear donation for Kids Hub Advocacy — Kids Hub Advocacy

Grand Bank team cleaning up Eastside Park — Eastside Park Clean-up

Grand Bank employee teaching financial literacy at Woodley Elementary — Woodley Elementary Money Smart

Grand Bank employees pack food at Extra Table event — Extra Table Food Packing

Grand Bank employee presenting financial education at JumpStart to Success — JumpStart to Success

Grand Bank representative speaking with a student at a high school career fair — High School Career Fair

Grand Bank team donating wrapped gifts to Domestic Abuse Family Shelter — Domestic Abuse Family Shelter

Grand Bank donating to Oak Grove Youth Football — Oak Grove Youth Sports

How Much Could You Earn?

Money market accounts (MMAs) typically offer higher interest rates than traditional savings accounts. There can be, however, service fees if your account falls below the minimum required balance. Use our Money Market Calculator simply by entering your Money Market Account balance and APY to see how your savings will grow over time.

Interested in FDIC Insurance Protection for deposits over $250,000?

With the Insured Cash Sweep®, or ICS®, service and the CDARS® service, you can enjoy the peace of mind that comes with access to multi-million-dollar FDIC insurance and can choose the service or combination of services that best meets your needs for returns and access to funds.

Protecting your deposits while earning a return – now that is smart.

Financial Guidance

Personalized lessons that help you learn how to get where you want to be.

Understanding Money Market Accounts

Is the Money in My Account Safe?

Create a Budget That Works For You

¹To earn the special promotional rate of 3.88% interest rate (5.00% APY), you must maintain a minimum balance of $5,000 in new money not already on deposit with Grand.bank® within the last 60 days. After the first 90 days, the rate will convert to 3.45% interest rate (3.50% APY). Rates are subject to change without notice. Minimum deposit to open account: $50.00; however, balances below $5,000 are not eligible for the promotional rate and monthly service fees may apply. A $15.00 monthly service fee applies if the minimum daily balance requirement is not met. To avoid the monthly service fee, maintain a daily balance of at least $5,000 during each statement cycle. Fees may reduce earnings. Please refer to the Deposit Fee Schedule for additional information regarding applicable fees and charges. Account limitations: None. Statement fee: $0.00 for electronic statements when enrolled in online banking; and $3.00 per statement cycle for paper statements.
²Some digital banking tools and features may require additional setup.
³Grand.bank® does not charge a fee for Mobile Banking or Online Banking; however, third-party messaging, data, wireless carrier, or internet service provider fees may apply. Availability may be affected by your mobile carrier’s coverage area. Contact your wireless service or internet provider for more details.

Please refer to our Funds Availability and Reg. E Disclosures for rules and regulations governing these accounts. Important Information About Procedures for Opening a New Account or Establishing a New Customer Relationship: The USA PATRIOT Act is a federal law that helps the government fight the funding of terrorism and money laundering activities. Federal law requires all U.S. financial institutions to obtain, verify and record information that identifies each person who opens an account or establishes a customer relationship with Grand Bank for Savings, FSB. What this means for you: When you open a bank account, we will ask you for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents at any time.

Impact Money Market

High-Yield Rates meet Community Impact