Secure These Money Market Rates Before They're Gone
Take advantage of our limited-time money market special by opening an account online or in-person.
A Money Market Account helps you grow balances you’re not using for everyday expenses. Earn competitive interest with limited access to check-writing and debit card features for occasional needs. For daily spending and bill pay, pair with a Midland checking account.
$0 per month when qualifications are met1
$2,500 minimum opening balance
$0.01 minimum daily balance to earn interest
$0 or $15 monthly service charge1
| Money Market Account | Certificate of Deposit | Savings Account | |
|---|---|---|---|
| Interest Rate | Moderate to High | High | Lower |
| Opening Deposit | $2,500 | $500 | $50 |
| ATM Access | |||
| Check Writing | |||
| Early Withdrawal Penalty | |||
| FDIC Insurance | |||
| Additional Benefits | Occasional check writing and debit card access available | Guaranteed rate and return | Simple and easy to use |
| Interest Rate | Moderate to High |
|---|---|
| Opening Deposit | $2,500 |
| ATM Access | |
| Check Writing | |
| Early Withdrawal Penalty | |
| FDIC Insurance | |
| Additional Benefits | Occasional check writing and debit card access available |
| Interest Rate | High |
|---|---|
| Opening Deposit | $500 |
| ATM Access | |
| Check Writing | |
| Early Withdrawal Penalty | |
| FDIC Insurance | |
| Additional Benefits | Guaranteed rate and return |
| Interest Rate | Lower |
|---|---|
| Opening Deposit | $50 |
| ATM Access | |
| Check Writing | |
| Early Withdrawal Penalty | |
| FDIC Insurance | |
| Additional Benefits | Simple and easy to use |
I love the online access and use it and the app often.Jack, Customer for 16 Years
The tellers are all so friendly and the service is very personal. They suggested I think about a Money Market Account and were clear in their explanation. They were not pushy, but answered my questions, and then let me mull it over and take my time. I am so glad they did, and opening the money market account was very simple. But, I think the main thing is I feel they know me as a person and help me when I get confused.Deborah, Customer for 14 Years
There are exceptional people working at Midland States Bank. They are always friendly and helpful whenever I encounter them. Always ready and willing to solve any problem I may need help with.Linda, Customer for 30 Years
What Do You Need to Open a Bank Account?
Whether you're starting your first account or adding a new one, knowing what you need to open a bank account can save you time and hassle. Here's what you need to get started.
Do Checking Accounts Earn Interest?
Did you know checking accounts can help grow your money? Let’s break down how and when you can earn interest from your checking account.
Our team of dedicated professionals are here to support you.
1Knock your monthly service charge down to $0 when you maintain a daily balance of $2,500. Otherwise, $15.
Money Markets are paid with interest beginning to accrue no later than the business day we receive credit for the deposit of the noncash items (for example, checks.) Minimum balance to open a Money Market Account is $2,500 and the the minimum daily balance to earn interest is $0.01. Fees could reduce earnings. Your interest rate may change at any time and without notice.
*Annual percentage yields (APY) are accurate as of 1/2/2026. Minimum opening balance is $2,500; minimum daily balance to earn interest is $0.01. Fees could reduce earnings. Your rates may change at any time without notice. Offer may end without notice. Available for personal accounts only. Promotional APY valid only on new accounts. Existing customers must add $25,000 in new money not currently on deposit with Midland to receive the promotional APY.
