Benefits of a Money Market Account
Do you want to put your money to work but keep cash handy in case of an emergency? Consider a money market account.
A money market account is like a savings account, but may have a higher dividend rate. Money Market Accounts offer the best of both worlds. Whether you're saving for a rainy day or planning for the future, a Money Market Account could be the smart choice for you.
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Rates up to [[iq:rate_rows:mm-tier-7.val2]] APY*
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Access Funds at Any Time
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Up to 6 Transfers a Month Without a Fee
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Interest is Calculated Daily
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The more money you deposit, the higher the return
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Access and manage your money on the go with mobile banking
Ready to Get Started?
Discover the benefits of our Money Market accounts and boost your savings today
Our Money Market accounts combine the benefits of both savings and a checking account, allowing you to earn higher interest rates while still maintaining access to your funds.
Money Market
Money Market
Rates Effective as of November 1, 2025
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open |
|---|---|---|---|
| $0—$999.99 | Interest Rate 0.050% | Annual Percentage Yield (APY) 0.05% | Minimum to Open $0.00 |
| $1,000—$9,999.99 | Interest Rate 0.250% | Annual Percentage Yield (APY) 0.25% | Minimum to Open $1,000.00 |
| $10,000—$49,999.99 | Interest Rate 0.449% | Annual Percentage Yield (APY) 0.45% | Minimum to Open $1,000.00 |
| $50,000—$99,999.99 | Interest Rate 0.648% | Annual Percentage Yield (APY) 0.65% | Minimum to Open $1,000.00 |
| $100,000—$499,999 | Interest Rate 0.847% | Annual Percentage Yield (APY) 0.85% | Minimum to Open $1,000.00 |
| $500,000-$999,999 | Interest Rate 2.227% | Annual Percentage Yield (APY) 2.25% | Minimum to Open $1,000.00 |
| $1,000,000+ | Interest Rate 3.203% | Annual Percentage Yield (APY) 3.25% | Minimum to Open $1,000.00 |
Money Market Accounts: APY = Annual Percentage Yield. Fees could reduce earnings on these accounts. Rates may change at any time, including after account is opened. Click here for full account disclosures. Minimum balance of $1000 required to avoid monthly service fee.
Truth-in-Savings Disclosure: Except as specifically described, the following disclosures apply to all accounts.
- Rate Information. The Interest Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Personal Rate Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. For all Money Market and IRA type share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below the Minimum Balance, then the interest rate will reflect the current share rate.
- Compounding and Crediting. For all accounts, interest will be compounded and credited monthly. The Interest Period begins on the first calendar day of the month and ends on the last calendar day of the month.
- Accrual of Interest. Interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on cash and non-cash (e.g., checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market and IRA / SEP accounts, if you close your account before accrued interest is credited, accrued interest will not be paid. Fees could reduce the earnings on an account.
- Balance Information. The minimum balance required to open each account is set forth in the Personal Rate Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Personal Rate Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market, Secondary Shares (over 21) and IRA / SEP accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the Interest Period.
- Account Limitations. For Non-Profit Organizations and Money Market accounts, transaction limitations may apply. We may limit to no more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee. Refer to the Membership & Account Agreement for additional information. Refer to the Personal Fee Schedule for current pricing.