Indexed Money Market

Also see: Business Indexed Money Market Account 

Want savings returns on an overnight funds account that always is at current market levels?

•  Worried about volatile stock prices?
•  Getting out of the market temporarily?
•  Have money you may need soon that's earning a pittance?

Here's the place to stash your cash – our Indexed Money Market Account with market rate earnings, immediate availability, and it's FDIC insured (no possible loss of principal).

The Indexed Money Market Account is a money market deposit account which pays a market-indexed Annual Percentage Yield ("APY") that's adjusted weekly to equal the most recent 3-month US Treasury Bill auction rate on balances of $25,000 and greater.

It's the perfect place for your money when you might need to access funds at any time, or when you're concerned about the future direction of interest rates.

A Great Rate - And We're Not Teasing! 

Other financial institutions may advertise a high rate of return on their money market account, but such offers are usually designed to get your business with a limited-time "Teaser Rate". After the promotion period ends, those accounts usually pay much lower rates that are arbitrarily set by the bank's management.

At Pacific Trust Bank, you'll always know that money in your Indexed Money Market Account will be earning a highly competitive yield. That's because the account's Annual Percentage Yield is "indexed". Every week, its APY resets to equal the most recent three-month (13-week: 90-92 day) US Treasury Bill auction rate.

If you'd like to view a history of recent Treasury Auction results, you can get your information from the horse's mouth. Click here to go to the auction results page of the US Treasury Department's Bureau of the Public Debt.

No Service Fees or Penalties 

The account has no service charges and no early withdrawal penalties. The minimum required to open this account and earn the disclosed annual percentage yield is $25,000. No interest is earned for any day that the balance in this account is less than the minimum required.

Federal regulations require banks to limit the way withdrawals may be made from a savings or money market deposit account. Withdrawals in excess of these limits may result in a fee or account closure. Other restrictions may apply – please see our “Important Account Information” handbook for more details.

You can earn the same great adjustable rate APY with as little as $500 in our Market Indexed Add-On Certificate!  Click Here to find out more. 

Call us at (619) 498-0081 or toll-free at (877) 441-BANK, or stop by any branch for information on opening an Indexed Money Market Account. 

For current rate and APY information about Pacific Trust Bank Certificates of Deposit and other savings products, please see our Savings Account Rates web page.

FDIC-Insured - Your deposits are now federally insured to at least $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC), and your retirement funds on deposit at Pacific Trust Bank are separately insured by the FDIC up to an additional $250,000.