Competitive MMA APY from a CDFI-certified community bank.
Get started at Quontic Bank → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Savers who want a competitive MMA rate and want to support a CDFI-certified mission-driven bank.
Quontic's Money Market Account was offering approximately 5.00% APY as of June 2026 — at or near the top of the MMA category. There are no monthly maintenance fees. MMA APYs are variable — verify the current rate at quonticbank.com before opening.
Quontic Money Market Account — Competitive MMA APY from a CDFI-certified community bank. Best for: Savers who want a competitive MMA rate and want to support a CDFI-certified mission-driven bank.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Quontic Bank is certified as a Community Development Financial Institution (CDFI) by the U.S. Department of the Treasury's CDFI Fund. CDFI certification means the bank is mission-driven to serve underserved communities and borrowers. Quontic Bank is also FDIC-insured — deposits are federally insured up to $250,000 per depositor per ownership category. Verify FDIC status at fdic.gov. Source: Quontic Bank official disclosure at quonticbank.com; U.S. Treasury CDFI Fund at cdfifund.gov.
Quontic Bank's Money Market Account includes a debit card for ATM and purchase access. Check-writing availability should be confirmed at quonticbank.com, as features can change. The debit card and competitive APY combination make Quontic MMA a stronger liquidity tool than a pure savings account. Verify all access features and any ATM fee policies at quonticbank.com before opening.
Quontic's Money Market Account requires a $100 minimum opening balance — one of the lowest among the picks on this list. As of June 2026, Quontic publishes a single APY tier for all balances above the minimum, meaning you earn the advertised rate on day one without needing to scale to a higher tier. Always verify the current APY and any tiering structure at quonticbank.com before opening.
No. ClearValue Lending is not a bank, account issuer, lender, or financial advisor. This review presents publicly available editorial information about the Quontic Money Market Account. The account is issued and operated by Quontic Bank. APYs, fees, and terms are determined solely by Quontic Bank and may change — verify current terms at quonticbank.com before opening.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.