Personal Money Market

Gain more versatility with a multi-dimensional money market from Bank of Cooperstown. Get a higher rate: our personal money market pays higher rates than regular savings — at rates that increase alongside your balance.

Maintain access to funds: enjoy 6 free withdrawals per month, including direct check writing capabilities. Tiered interest rates and liquidity — gain more all-around financial freedom by getting started today.
  • Make the most of larger balances
  • Tiered interest rate system; pays higher rates for larger balances
  • Avoid the $10 monthly service charge by maintaining a $1,000 average minimum balance
  • Maintain access to funds, including direct check writing capabilities
  • 6 free withdrawals per statement cycle; $10 per transaction in excess thereafter
  • Free online banking
  • Free eStatements with check imaging
  • $1,000 minimum deposit to open

Compare Accounts

Personal Money Market 
Make the most of your larger balances with our tiered interest rate system. Interest increases with your balance.
  • $1,000 minimum opening deposit
  • Maintain $1,000 average minimum balance to avoid the $10 monthly service charge
  • FREE online banking &                  e-Statements 
Relationship Reward Money Market 
Take full advantage of our tiered-rate system, paying higher balances for meeting larger balance tiers.
  • $1,000 minimum opening deposit
  • Maintain $25,000 combined average minimum balance across all deposit accounts to avoid the $10 monthly service charge
  • FREE online banking &                  e-Statements 
  • 6 FREE withdrawals per cycle
Personal Savings
Whether you're saving for a vacation or a rainy day, you can be one step closer to your goals while earning competitive interest.
  • $100 minimum opening deposit
  • Maintain $100 minimum average quarterly balance to avoid the $6 service charge
  • FREE online banking &                 e-Statements 
  • 20 FREE withdrawals per quarter
  • No monthly service fee for account holders who are minors 
Health Savings Account (HSA)
  • $25 minimum opening deposit
  • Tax-free contributions
  • Funds can be withdrawn at any time
  • Unused funds remain in the account year after year
  • Tax deductions when contributions are made
  • Tax-free earnings through investment and withdrawals for qualified medical, dental & vision expenses