Mountain AmericaMoney market accountChecked Oct 10, 2026Updated
Mountain America IRA Money Market
1.00%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- −$20 after fees
- Monthly fee
- Monthly fee not stated
- To open
- No minimum to open
- On our list
- #115 of 152 money market accounts, by a year’s value on $10,000
Visit Mountain AmericaThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.50% | −$115 |
| $5,000 | 0.85% | −$78 |
| $10,000 | 1.00% | −$20 |
| $25,000 | 1.50% | $255 |
| $50,000 | 2.00% | $880 |
| $100,000 | 2.45% | $2,330 |
Rates by balance
| Balance | APY |
|---|---|
| $0 to $2,500 | 0.50% |
| $2,500 to $10,000 | 0.85% |
| $10,000 to $25,000 | 1.00% |
| $25,000 to $50,000 | 1.50% |
| $50,000 to $100,000 | 2.00% |
| $100,000 to $250,000 | 2.45% |
| $250,000 to $1,000,000 | 3.25% |
| $1,000,000 and up | 3.60% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Interest compounds
- Dividends will be credited to your account every month. If dividends remain in the account, they will be compounded.Source · checked Oct 10, 2026
Fees
- Minimum to open
- NoneSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $1.50Source · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 1%Source · checked Oct 10, 2026
- Incoming domestic wire
- $10Source · checked Oct 10, 2026
- Outgoing domestic wire
- $15Source · checked Oct 10, 2026
- Outgoing international wire
- $30Source · checked Oct 10, 2026
- Paper statements
- $2 a monthSource · checked Oct 10, 2026
- Early closure fee
- $1Source · checked Oct 10, 2026
- Stop payment
- $20Source · checked Oct 10, 2026
- Card replacement
- $5Source · checked Oct 10, 2026
Who can open it
- Membership
- Membership required:Source · checked Oct 10, 2026
Features
Interest bearingNo minimum balance
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Not all of this account’s figures are on record yet (monthly fee missing). Report a mistake · How we make money