Avoid risky investments and take advantage of this tiered rate savings account that combines the money market rates you want with deposit insurance coverage provided by the Federal Deposit Insurance Corporation. Federal regulation limits the number of withdrawals and/or transfers to six per statement cycle.   Preferred Money Market Limited withdrawals unless made in person, by mail or at ATM. Earn a preferred rate of interest for balances in excess of $10,000 Excessive transactions Penalty may apply. Watch our home page for Money Market "specials".