Salem Five Cents Gold Star Money Market

$10 a year on $10,000 at today’s 0.10% APY. No monthly fee. $10 to open.

Checked Nov 8, 2026Updated Nov 8, 2026

A year on $10,000

APY on $10,000

Monthly fee

To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Against the market

How it ranks

#67of 174 money market accounts, by a year’s value on $10,000

All 174 money market accounts, ranked

Features

Interest bearing
No overdraft fees

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates by balance

$0 to $5,000: 0.10%
$0.01 to $50,000: 0.10%
$5,000 to $10,000: 0.10%
$10,000 to $25,000: 0.10%
$25,000 to $50,000: 0.10%
$50,000 and up: 2.40%
$75,000 to $100,000: 2.40%
$100,000 to $250,000: 2.40%
$250,000 to $500,000: 2.40%
$500,000 and up: 2.40%

The bank’s rates · as of Nov 8, 2026

In the bank’s words

Terms

Rate conditions

Balance needed for the APY: $0.01salemfive.com, checked Nov 8, 2026
APY paid on balances up to: $50,000salemfive.com, checked Nov 8, 2026

Fees

Monthly fee: Nonesalemfive.com, checked Nov 8, 2026
Minimum to open: $10salemfive.com, checked Nov 8, 2026
Overdraft fee: $35salemfive.com, checked Nov 8, 2026
Returned item (NSF) fee: $5salemfive.com, checked Nov 8, 2026
Most overdraft fees in a day: 5salemfive.com, checked Nov 8, 2026
ATM network: Salem Five and Allpoint® ATMssalemfive.com, checked Nov 8, 2026
Out-of-network ATM fee: $3salemfive.com, checked Nov 8, 2026
Foreign transaction fee (debit card): 3%salemfive.com, checked Nov 8, 2026
Incoming domestic wire: $15salemfive.com, checked Nov 8, 2026
Outgoing domestic wire: $30salemfive.com, checked Nov 8, 2026
Incoming international wire: $15salemfive.com, checked Nov 8, 2026
Outgoing international wire: $45salemfive.com, checked Nov 8, 2026
Paper statements: $2 a monthsalemfive.com, checked Nov 8, 2026
Cashier’s check: $8salemfive.com, checked Nov 8, 2026
Stop payment: $30salemfive.com, checked Nov 8, 2026
Card replacement: $10salemfive.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money

Salem Five Cents Gold Star Money MarketSalem Five Cents Savings · Money market account

$1a year on $1,000,
after fees$5a year on $5,000,
after fees$10a year on $10,000,
after fees$25a year on $25,000,
after fees$1,200a year on $50,000,
after fees$1,200a year on $100,000,
after fees

See it on salemfive.com

We don’t earn anything from this link.

Other Salem Five Cents Savings accounts

Salem Five Cents Club Five Money Market SM4.00% APY Salem Five Cents Club Five Money Market ℠4.00% APY Salem Five Cents Classic Five Money Market SM2.40% APY Salem Five Cents Classic Five Money Market ℠2.40% APY Salem Five Cents Star Money Market2.40% APY All 29 Salem Five Cents Savings accounts

About Salem Five Cents Savings Bank

Headquarters: Salem, MA
Regulator: FDIC
FDIC certificate: 23296
Insured up to: $250,000

From the FDIC’s register of institutions.

See it on salemfive.com

We don’t earn anything from this link.