Quontic Bank
Quontic Money Market Account Review 2026
Updated June 3, 2026
Competitive MMA APY from a CDFI-certified community bank.
Who Quontic Money Market Account is best for
Savers who want a competitive MMA rate and want to support a CDFI-certified mission-driven bank.
At a glance
- APY
- ~5.00%
- Minimum balance
- $100
- Monthly fee
- None
- FDIC
- Insured
Verified at quonticbank.com, Jun 2026 — confirm before opening
Required to open
No monthly maintenance fee
Quontic Bank — $250K coverage
Pros
- +Competitive APY at or near the top of the MMA category
- +Low $100 minimum balance
- +CDFI-certified (U.S. Treasury) — deposits support community development lending
- +No monthly maintenance fee
- +Debit card access — verify features at quonticbank.com
Cons
- −Smaller brand — less consumer visibility than Ally, Discover, or Synchrony
- −Digital experience and mobile app less mature than larger online banks
- −Fewer product options than a full-service online bank like Ally
Quontic Money Market Account requirements
- US resident with SSN
- At least 18 years old
- $100 minimum opening balance
Quontic Money Market Account rates & fees
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.
Rates & fees last verified at the issuer on 2026-06-03. Always confirm current terms before applying.
◆ ClearValue platform data
How Quontic's MMA rate compares to the FDIC national average
This guide compares 6 MMA offers total. The FDIC tracks a national average rate across all insured banks and credit unions, weighted by deposit share. As of August 17, 2026 the national average money market rate was 0.63% (FDIC National Rates and Rate Caps). Quontic Money Market Account at roughly ~5.00% APY pays about 7.9x that national average.
Worked on a $10,000 balance held 12 months: Quontic's ~5.00% APY yields roughly $500 in interest versus $63 at the 0.63% national average — a $437 gap on that balance, before compounding (which pushes the real number slightly higher than this simple-interest estimate). Quontic Money Market Account is one of 2 offers in this guide with a $100 minimum balance (the other being cit bank); the remaining 3 offers have no minimum at all, and discover-mma is no longer accepting new applications so isn't counted here. Both figures move with the Fed's rate path, so confirm the live number before funding.
Primary sources: FDIC National Rates and Rate Caps
The 0.63% figure is the FDIC national average across all insured institutions, not a Quontic quote — the bank's own advertised APY changes with market conditions and should be confirmed on its official site before opening.
Quontic Money Market Account alternatives
Top alternatives worth comparing from Best Money Market Accounts 2026.
Axos Bank
UFB Direct Money Market Account
Better if you want a comparable top APY with no minimum at all
Ally Bank
Ally Bank Money Market Account
Better if you want an established brand with debit, checks, and ATM reimbursement
First-Citizens Bank & Trust Company
CIT Bank Money Market Account
Better if you want the same $100 minimum with a well-known parent bank
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Quontic Bank→Last verified at the issuer on 2026-06-03
The full lineup
See all picks in Best Money Market Accounts 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Quontic Money Market Account scores 4.4 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Savers who want a competitive MMA rate and want to support a CDFI-certified mission-driven bank.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Quontic Money Market Account
What does CDFI-certified mean for Quontic Bank?+
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.
Does Quontic Money Market Account include check writing or a debit card?+
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.
What is the minimum balance to earn the top APY at Quontic MMA?+
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.
Is ClearValue Lending a bank or account issuer?+
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.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.