Mutual Bank has a competitive money market account with a yield of 5.10% APY with a $5,000 minimum balance requirement. The yield has remained at 5.10% since last summer. This Premium Unique Money Market account has limited check writing (first 40 checks free) and an ATM card. The main downside is a $25/month fee for balances under $5,000.

Mutual Bank has been FDIC insured since 1962. It has a 3 out of 5 safe-and-sound star rating (performing) from Bankrate.com.