Enjoy competitive returns without the chase. 

Grow your money with steady, market-aligned returns for higher balances—no need to constantly monitor rates, with flexible access when you need it. 
 
 

Account Features

  • Earns Interest1
    Interest earned on full account balance, based on the following tiers:
      • $0.01 - $49,999.99
        Interest Rate = 0.00%
        APY = 0.00%
      • $50,000 - $99,999.99
        Interest Rate = Federal Funds Effective Rate minus 1.00%
        APY = 2.67%
      • $100,000 - $249,999.99
        Interest Rate = Federal Funds Effective Rate minus 0.50%
        APY = 3.19%
      • $250,000+
        Interest Rate = Federal Funds Effective Rate minus 0.25%
        APY = 3.44%
    • Guaranteed floor rate for interest on balances of $50,000+ is 0.10% APY
  • Check-writing capability
  • ATM access with a Money Market Visa debit card
  • Free eStatements available in online and mobile banking

Account Requirements

  • $50,000 minimum opening deposit
  • $0 monthly maintenance fee
  • $2 paper statement fee per statement cycle - waived for those age 50 or older OR waived by maintaining $50,000 daily minimum balance in the account during the statement cycle OR sign up for eStatements in online or mobile banking to avoid the paper statement fee. 
1 Interest earned on daily balance. Variable rate subject to change at First Mid's discretion.  Fees could reduce earnings on the account. APY = Annual Percentage Yield.  Rates effective 03/03/26.