"Here's some more details on the "Money Tree Market Account" paying 4% APY:
$25K minimum to earn interest and avoid monthly fees
no ATM or checkbook, only access through internal transfers or wire ($20 fee for wires).
You can open a VALUE CHECKING account and link it to the Money Market to get money in and out. Value Checking is fee-free if you have DD of $100/month or sign up for electronic statements.
Lockheed Martin FCU is open to all for membership if you join The Achievers Club for $5.