Yield Pledge® Money Market

The perfect blend of high-yield and full-service savings

Amplify your earnings with a rate you can count on. Earn a yield in the top 5% of Competitive Accounts,x and enjoy easy access to your money.

  • Guaranteed high yields with our Yield Pledge promiseWe guarantee that your yield will always be high. On a monthly basis, we assess competitor yields and will adjust ours as needed to ensure they’re among the top 5% of Competitive Accounts.x
  • No monthly maintenance fee
  • Mobile check depositsx
  • Access to your money through checks and debit cardChecks and debit card available upon request.
  • ATM fee reimbursementsWe don’t charge ATM fees, and we’ll even pay you back when other banks do. For accounts with a minimum balance of $5,000, get unlimited ATM fee reimbursements. For those with lower balances, get up to $15 per month in ATM fee reimbursements.x
  • Move money with internal and external transfers
  • FDIC insured
  • $0 to open

In Florida? Visit one of our financial centers for expert one-on-one support.

Calculate your earnings

1-year intro APYDisplayed Annual Percentage Yield (APY) is based on the deposit amount entered and reflects a fixed 1-year introductory APY on balances up to $250K available to first-time money market clients only, and the ongoing APY, as applicable, which can be found at the “View all balance tiers” link below.x

0%

No minimum to open

1st-year earningsEarnings are illustrative and based on balance and APY shown over a one-year period with no withdrawals. Actual earnings may differ based on rounding factors and potential changes to the APY.

$0

Don’t settle for average

With a $50,000 balance, our APY beats the competition.

APY
EverBank — 1-year introFirst-year APY reflects a 1-year introductory rate available to first-time money market clients on balances up to $250K. Ongoing APYs otherwise apply.x 4.30%
EverBank — ongoingUnless eligible for the 1-year intro APY, the account will earn the ongoing APY, which is also backed by our Yield Pledge promise.x 4.05%
National averagex  0.60%
TD Bankx 0.03%
Wells Fargox 0.26%

Our Yield Pledge promise means you know your money’s working for you

Our unique Yield Pledge promise guarantees you some of the most competitive rates in the nation.x

Mobile Banking

Our mobile app keeps you in touch with your money

Use the TIAA mobile app to bank on your time and on the go.

Strong and secure

Get serious security for your savings

We protect your information with strong encryption methods, plus we have your back with our Web Safety Guarantee.x

Open online now

Your money's going to thank you

Set your money on the right course with our seamless online account application.

In Florida? Visit one of our financial centers for expert one-on-one support.

  1. Apply

    Open your new account online and with ease.

  2. Fund account

    Send an opening deposit by online transfer or mobile deposit.

  3. Start banking

    Set up online banking and watch your money grow.

Fees at a glance

No hidden fees

Keep your earnings growing, not eroding. With our Yield Pledge Money Market account, you will not be nickel-and-dimed with a monthly maintenance fee or EverBank ATM fees.x

  • Monthly maintenance fee
  • EverBank ATM feesWe don’t charge ATM fees, and we’ll even pay you back when other banks do. For accounts with a minimum balance of $5,000, get unlimited ATM fee reimbursements. For those with lower balances, get up to $15 per month in ATM fee reimbursements.x
Fee typeFee amount
Mobile check deposit fee$0
Overdraft transfer feeBy setting up a link between two EverBank accounts, you can leave the worry of overdrafts behind.$0
Replacement debit card$0
Official Check feeAn Official Check serves as a guarantee of funds. Typically required for larger purchases, they are issued as official bank checks and signed by a bank representative.$0
Smiling food truck owner taking debit card for payment from customer

Gain greater access to your money with Yield Pledge Checking

Yield Pledge Checking comes with our Yield Pledge promisex and is equipped with a debit card, personal checks, Zelle® plus online bill pay.

Your questions answered

Yes. Your deposits with us will be FDIC insured up to the standard $250K per depositor for each account ownership category.x We employ a wide range of security measures to ensure the safety of your digital information. EverBank has also received industry recognition for safety and financial strength from a number of respected sources.

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While we are now EverBank, your accounts continue to be serviced by TIAA at this time. Please log in with your usual credentials.
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Today's rates

4.30%

1-year intro APYFirst-year APY reflects a 1-year introductory rate available to first-time money market clients on balances up to $250K. Ongoing APYs otherwise apply.x

BalancesONGOING APYUnless eligible for the 1-year intro APY, the account will earn the ongoing APY, which is also backed by our Yield Pledge promise.x
$100,000 and up4.30%
$50,000 to $99,999.994.05%
$25,000 to $49,999.993.75%
$10,000 to $24,999.993.75%
$0 to $9,999.993.75%

Annual Percentage Yields (APYs) are accurate as of 04/12/2024.

Web Safety Guarantee

Your safety is our priority

Our Web Safety Guarantee adds an extra layer of protection to your online security, so you can bank with peace of mind.x Our guarantee provides 100% protection for any funds in your consumer or business deposit accounts that are lost due to unauthorized Online Use or an EverBank mistake. We also cover fees for late bill payments if your payment doesn’t arrive by the delivery date shown in the online bill payment calendar. To qualify for coverage, you’ll need to:

  • Ensure you (or your employees) keep your online access credentials to yourself. Do not share them with anyone. If you suspect that your username, password, token, security code and/or PIN have been lost or stolen, change them and contact us immediately. At any time you may ask us to disable your password and issue a new one to you.
  • Report any unauthorized access or suspicious activity on your account immediately.
  • You (or your employees) should never leave computers or mobile devices unattended while logged in to the EverBank website; always log out completely when finished. To notify EverBank of unauthorized activity, please call Client Solutions or Business Support.

For more information about your responsibilities, please see the Web Safety Guarantee section in the Terms and Conditions booklet that pertains to you.