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Ampersand, Inc. is not a bank. Deposits are placed, as administrator, at FDIC- and NCUA-insured institutions.Serving public entities? Ampersand Public Advisors ↗
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Ampersand vs.
money market funds.

A fair, side-by-side look at how insured deposit placement through Ampersand compares — so you can choose what fits your cash.

Money market fundsAmpersand
What it isAn investment (mutual fund)Bank deposits at insured institutions
FDIC/NCUA insured?NoYes, within limits per institution¹
ValueCan fluctuate (rarely)Deposit principal within insured limits
YieldMarket-basedMarket-based; averaged 5–9x the national average‡
Keep your bank. Add hundreds more.See how one Ampersand account works alongside your operating bank.

Comparisons are general and illustrative, based on typical characteristics of each option; terms vary by provider and product. Money market funds and Treasury securities are investments, not deposits, and Ampersand does not offer them. ¹ Deposit insurance is provided by FDIC- or NCUA-insured institutions, subject to standard limits, aggregation rules, number of participating institutions and pass-through requirements. ‡ Program rates have averaged 5–9x the FDIC national average savings rate, as of 10/15/2026; not a guarantee of any client’s rate. Ampersand, Inc. is not a bank. Not investment advice.