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Earn interest with a high interest rate account while still being able to access your cash via ATM, debit, or checks. Welcome to the Money Market life.

X.XX% APY**
for balances under $100,000
X.XX% APY***
for balances $100,000 and over
Man wearing headphones and holding tablet smiles because he just opened a money market account.

Enjoy the feeling of a no-fee Money Market Account

No. Fees. Period. That means you won't be charged an account fee on our Money Market Account.****

You'll never pay fees for the following:

  • Monthly maintenance
  • Withdrawals at over 60,000 ATMs nationwide
  • Replacement debit card
  • Stop payment order
  • Standard checks
  • Official bank check
  • Online bill pay
  • Expedited delivery for debit card replacement
  • Expedited delivery for official bank checks
  • Deposited item returned
  • Excessive withdrawals
  • Insufficient funds
  • Account closure

Plan for the future, live in the now

Our Money Market interest rate calculator can help you set goals and plan for the next big thing.

This calculator and the values shown are intended for illustrative and informational purposes only and may not apply to your individual circumstances. This calculator uses an Annual Percentage Yield (APY) that is rounded to the nearest one-hundredth of one percentage point, e.g., .01%. However, actual interest earned calculations use an APY that is rounded to the nearest one-thousandth of one percentage point, e.g., .011%.  As a result, the estimated interest earned value shown here may vary from the actual interest earned on your account. Calculation assumes principal and interest remain on deposit and interest rate and APY do not change.
$
Please enter an amount between $1 and $5,000,000.
Yearsyrs
Total interest you'll earn
Total interest earned What you’ll earn with our Money Market Account

Amount is cumulative interest earned over duration of time chosen.
Open an Account

‘Total savings’ equals initial deposit plus interest earned over duration of time chosen.
Young woman riding bike to ATM machine to access her money market account.

Right here when you need us

See which of our over 60,000 no-fee ATMs are at the stores you already frequent.

Some ATMs have limited hours and/or restricted access. ATM owners may charge a fee at locations outside of our no-fee network.

 

If you're charged a fee, please be aware that some ATM operators leave the network without notifying Discover and those ATMs may continue to display as "No Fee" in our locator until it can be updated. If you have any issues using an ATM that's displayed in our locator, or if you believe you've been charged an ATM fee in error, contact us at 1-800-347-7000.

Ready to get started?

Open an Account OAO

**Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, for Money Market Account balances under $100,000 and subject to change daily without notice before or after the account is opened. Applies to personal accounts only. No minimum deposit required to open an account.

***Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, for Money Market Account balances of $100,000 or more and subject to change daily without notice before or after the account is opened. Applies to personal accounts only. No minimum deposit required to open an account.

****Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in our no-fee network.