What APY does HighMarq Savings earn?

HighMarq Savings earns 4.00% APY on balances $10,000 and above.

Is there a minimum balance required to keep HighMarq open?

No. There is no minimum balance required to maintain HighMarq Savings, but a minimum balance of $10,000 is required to earn the higher APY.

Does HighMarq have monthly fees?

There are no monthly fees to maintain HighMarq as long as you are enrolled in eStatements.

Are my funds insured with Quorum?

Your Quorum accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

I have more than $250,000 in deposits at Quorum. How do I check to see if it is insured?

If you have more than $250,00 in deposits and are concerned that your savings may not be fully insured by the NCUA, you can check the Share Insurance Estimator here to understand what is insured and what portion (if any) exceeds coverage limits. Depending on how your accounts are owned and what types of accounts you have, you can potentially increase the total insurance on your funds to greater than $250,000 through multiple account owners or trusts with beneficiaries. MyCreditUnion.gov contains more information about the National Credit Union Share Insurance Fund coverage for consumers.

Earn 4.00% APY¹ with HighMarq Savings.

With an APY that’s 9X the national average, HighMarq gives you liquidity, better earnings, and a banking platform that moves with you.

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Why choose HighMarq Savings?

HighMarq pays 4.00% APY¹ on balances $10,000 and above. It's a liquid savings account, which means you can access your money when you need it rather than tying it up in a fixed term or the stock market.

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Earn 4.00% APY¹

Earn a high-yield savings rate on balances of $10,000 and over.

24/7 Liquidity

Access your funds anytime, penalty-free.

No Account Fees

When you stay enrolled in eStatements.

Federally Insured Deposits

Insured up to $250,000 per person

Bigger balances should earn bigger returns.

HighMarq rewards larger balances with higher returns--starting at $10,000. Your money stays liquid and accessible, so you're never trading flexibility for a better rate. No fixed term, no lockup, no penalty for using your own money.

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MOBILE BANKING APP

Mobile banking at the speed of life.

Manage your account with Quorum’s mobile banking app. Set automatic transfers to keep your saving momentum going, view your full financial picture in one platform, deposit checks, move money, and set alerts that help you stay on top of your finances.

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FAQs

Get answers to common questions about HighQ Savings Accounts

Trusted by members and financial experts.

Quorum’s savings accounts are consistently recognized for their competitive rates and excellent value.

Best Savings Account
CNBC Select

The Best Credit Unions
CNET

Best Savings Account
Bankrate

db1fc7322e634103fca8e5c9478bd724350e6116

Best Credit Unions 2026
Yahoo! Finance

Best Credit Union 2025
Buy Side from WSJ

"Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking was comprehensive, and the rate and service were fantastic!"

panslif12

"Quorum has been my primary bank for over 5 years, where they do NOT disappoint. Not only do they offer the best interest rates with the HighQ Savings and term CDs, they are also prompt to provide answers to any questions."

Sonja M.

"We feel so much more secure with a federal credit union than a commercial bank. Great staff and the customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. I’m glad we found Quorum."

Kathy C.

Disclosures

1. Annual percentage yield (APY) in effect as of 08/13/26. The current dividend rate is 3.93% for balances $10,000 and over. APY and rate may change after account is opened and any fees could reduce earnings. There is no minimum balance to open or maintain HighMarq Savings. The minimum average daily balance to earn the advertised APY is $10,000. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.

As of 01/20/26, the average bank savings account rate is 0.39%, according to the FDIC.

Earn 4.35% APY* on a Certificate Account.

15-Yr Fixed Mortgage

100% Online Estate Accounts

Earn 4.00% APY¹ with HighMarq Savings.