Make Every Dollar Count

 
*APY=Annual Percentage Yield. 

Premium Money Market is a variable rate, interest-bearing account with promotional interest tiers as follow: Daily balances $0 – $99.99 – 0.00%; $100 – $9,999.99 – 0.25% APY; $10,000 or greater – 3.50% APY. There is a $100 minimum deposit required to open this account and a $15 monthly service charge if the daily minimum balance falls below $1,000 at any time during the statement cycle. Minimum deposit of $10,000 and maximum deposit of $250,000 per social security number to receive promotional APY. To receive the 0.50% APY rate bump resulting in a promotional APY of 4.00%, customer must open or maintain an active existing Non-Interest-Bearing Checking Account at the same time as Premium Money Market account opening with the same tax-identification number as the money market account holder and maintain a daily minimum balance of $5,000 or more for the duration of the promotional period. Example Non-Interest-Bearing Checking – Kasasa Cash Back Checking is a non-interest-bearing checking account and has no monthly service charge. There is a $100 minimum balance to open a Kasasa Cash Back Checking Account.

BusinessEdge Money Market is a variable rate, interest-bearing account with promotional interest tiers as follow: $0 – $4,999.99 – 0.00%; $5,000 – $9,999.99 – 0.25% APY; $10,000 or greater – 3.50% APY. There is a $5,000 minimum deposit required to open this account and a $15 monthly service charge if the daily minimum balance falls below $5,000 at any time during the statement cycle. Minimum deposit of $10,000 and maximum deposit of $500,000 per tax identification number to receive promotional APY. To receive the 0.50% APY rate bump resulting in a promotional APY of 4.00%, customer must open or maintain an active BusinessEdge or Commercial Checking Account at the same time as Business Money Market account opening with the same tax identification number as the money market account holder and maintain a daily minimum balance of $10,000 or more for the duration of the promotional period. BusinessEdge Checking is a non-interest-bearing checking account and has no monthly service charge if a $500 daily minimum balance is maintained. Otherwise, a $15 Monthly Service Fee will apply. Commercial Checking is a non-interest bearing analyzed checking with a $12 monthly service charge. Earning credits may offset service fees. See Terms & Conditions and Business Fee Schedule for further details. There is a $100 minimum opening deposit required to open either a BusinessEdge Checking Account or Commercial Checking Account

For all money market offers, fees may reduce earnings on this account. An active checking account is defined as an account that has multiple debits and credits coming in and out of the account monthly. Account Closure: If the consumer checking account is closed or does not maintain the minimum $5,000 daily account balance requirement or the business checking account is closed or does not maintain the minimum $10,000 daily account balance requirement, the account will be adjusted to reflect the 3.50% APY for the remainder of the promotional period. Account must be opened by 5/30/2026 and rate is guaranteed for 120 days from date of account opening. After the promotional period ends, standard pricing will apply and the rate will change. APYs are accurate as of 3/01/26 and subject to change without notice. Offers may be withdrawn at any time. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit relationship and who are primary residents of and live in Bucks County, PA. 

**NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank.