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You > Savings > Money Market Accounts

Optimum Money Market

CNB Optimum Money Market:
  • Competitive interest rates
  • Requires Optimum Checking Account

It's fast, easy and secure.

Open Online v2

The Local Difference

Why CNB? As the Rochester, NY region's only local, full-service community bank, we've grown by offering competitive banking options and the kind of personalized service that builds long-lasting relationships.

Optimum Money Market Specific Account Terms
Monthly Maintenance Fees

Monthly maintenance fee with Optimum checking: $0

Minimum Balance Requirement

Minimum daily balance requirement to earn interest and to obtain the disclosed annual percentage yield: $2,500

Checking Account Requirement

Customer is required to maintain an Optimum Checking Account. Failure to do so will result in a conversion of your Optimum Money Market Account to a standard Money Market Account, and all prices and features of that account will apply.

Rate Information

The interest rates and APYs are based on the following tiers:
$0.00 - $2,499.99: No interest earned
$2,500.00 - $24,999.99: Tier I Interest
$25,000.00 - $49,999.99: Tier II Interest
$50,000.00 - $74,999.99: Tier III Interest
$75,000.00 - $99,999.99: Tier IV Interest
$100,000.00 - $149,999.99: Tier V Interest
$150,000.00 - $199,999.99: Tier VI Interest
$200,000.00 - $249,999.99: Tier VII Interest
$250,000.00 - $499,999.99: Tier VIII Interest
$500,000.00 - $749,999.99: Tier IX Interest
$750,000.00 - $999,999.99: Tier X Interest
$1,000,000.00 - $999,999,999.99: Tier XI Interest

If your daily balance is more than $2,500, you will receive interest on the entire balance in your account.

Compounding and Crediting Interest will be compounded and credited monthly to your account on your statement date.