Vio Bank Cornerstone Money Market
Vio Bank pays a 3.60% APY on its money market account with a $100 minimum to open and no monthly fee, held at MidFirst Bank (Member FDIC), which we confirmed is an active FDIC member. The rate comes from NerdWallet, our verified data partner with direct provider relationships — a flexible, FDIC-backed home for cash you may need to dip into.
Is the Vio Bank Cornerstone Money Market worth it?
The Vio Bank Cornerstone Money Market earns a 3.60% APY with a flat rate on all balances and no monthly fee. We source this rate from NerdWallet, our verified data partner with direct provider relationships. This rate carries our ◆ Partner data label — we did not fetch it from the bank ourselves.
The account is held at MidFirst Bank. We confirmed with the FDIC that it is an active insured institution — certificate #4063 in Oklahoma City, Oklahoma. Deposits are covered up to $250,000 per depositor, per ownership category.
A money market account pairs a savings-style rate with limited check or debit access, which makes it handy for cash you want to grow but might need to reach. The APY is partner-supplied and variable, so confirm the current rate on the provider’s own site before opening. This is not financial advice.
How does a money market account work?
A money market account is a savings account that adds limited check-writing or debit access. It pays a variable APY and is federally insured. Providers may cap the number of certain monthly withdrawals.
How much could you earn with the Vio Bank Cornerstone Money Market?
At a 3.6% APY, a $10,000 balance in the Vio Bank Cornerstone Money Market earns about $360 in interest over a year, before taxes. Double the balance and you roughly double the interest; your real return depends on how long the rate holds.
Illustrative estimate based on the figures on this page, not an offer. Your results will differ.
What are the pros and cons of the Vio Bank Cornerstone Money Market?
The Vio Bank Cornerstone Money Market stands out for 3.60% APY, sourced from our verified data partner, though rate is partner-supplied — we did not fetch it from the provider ourselves.
- 3.60% APY, sourced from our verified data partner
- No monthly fee and a $100 minimum to open
- Held at MidFirst Bank, an FDIC member we confirmed with the regulator
- Rate is partner-supplied — we did not fetch it from the provider ourselves
- APY is variable and can change without notice
- Monthly transaction limits typically apply to money market accounts
Who should get the Vio Bank Cornerstone Money Market?
The Vio Bank Cornerstone Money Market is best for savers who want a strong rate plus check or debit access.
- Savers who want a strong rate plus check or debit access
- People parking cash they may need to reach occasionally
- Anyone who wants an FDIC-insured money market account
How does the Vio Bank Cornerstone Money Market compare?
Among the 6 money market accounts we track, the Vio Bank Cornerstone Money Market ranks #5 with a money8020 score of 85/100.
| Product | Score | Tier | Provider |
|---|---|---|---|
| Zynlo Money Market Account | 96 | Essential | Zynlo Bank (a division of PeoplesBank) |
| CFG Bank High-Yield Money Market | 93 | Essential | CFG Bank |
| Quontic Money Market | 93 | Essential | Quontic Bank |
| EverBank Performance Money Market | 85 | Strong | EverBank, N.A. |
| Vio Bank Cornerstone Money Market | 85 | Strong | Vio Bank (a division of MidFirst Bank) |
See all money market accounts, ranked →
Common mistakes to avoid with a money market account
- Confusing a money market account (federally insured) with a money market fund (an investment that can lose value).
- Blowing past the monthly limit on certain withdrawals and triggering a fee.
- Assuming the higher minimum always buys a higher rate — compare against no-minimum savings.
- Forgetting the APY is variable and can change after you open.
Key takeaways
- Vio Bank Cornerstone Money Market earns a money8020 score of 85/100, ranking #5 of 6 money market accounts.
- 3.60% APY, sourced from our verified data partner
- At a 3.6% APY, a $10,000 balance in the Vio Bank Cornerstone Money Market earns about $360 in interest over a year, before taxes.
- Best for savers who want a strong rate plus check or debit access.
- Rate and terms sourced from our verified data partner, NerdWallet.
Frequently asked questions about the Vio Bank Cornerstone Money Market
What is the APY on the Vio Bank Cornerstone Money Market?
Per NerdWallet, our data partner, the account pays a 3.60% APY with a $100 minimum to open and no monthly fee. Money market rates are variable and can change at any time — confirm the current APY on Vio Bank's own site before opening. This is not financial advice.
Is the Vio Bank Cornerstone Money Market FDIC insured?
Yes. Funds are held at MidFirst Bank, which we confirmed with the FDIC is an active insured institution (certificate #4063, Oklahoma City, Oklahoma). Deposits are insured up to $250,000 per depositor, per ownership category.
How is a money market account different from savings?
A money market account works like a savings account but usually adds limited check-writing or debit access. Rates and minimums are comparable; the access is the main difference.
Can the rate on the Vio Bank Cornerstone Money Market change?
Yes. The APY is variable and can move at any time, often tracking the federal funds rate. Confirm the current rate with the provider.
Sources
We sourced these figures from our verified data partner and independently confirmed the provider’s regulator status, last checked May 30, 2026. Primary sources: