Elevate Your Savings with a Money Market

With a personal Money Market account, tiered interest rates typically pay a higher interest than a standard savings account. That means you can keep your money both liquid and growing.

A Money Market account with can give you a flexible savings instrument that pays dividends and also acts as a checking account for easy withdrawals.

Because a Money Market account invests in securities many people consider these accounts ideal safe havens for their emergency savings fund.

Money Market Account Features

  • Earn Higher Dividends
    You'll earn higher dividends than a savings account and have a variable rate3. Dividends are compounded and credited monthly.
  • Easy Access Checks & Debit Card
    Just like your checking account, you can write checks or use a debit card on your money market account.
  • Multiple Monthly Transfers
    Up to six pre-authorized, automatic, or telephone transfers per month4.
  • Higher Rates on Higher Balance Tiers
    Rates improve on deposits that exceed $25,000. See interest rates
  • NCUA Insurance
    Our Money Market accounts are federally insured by the NCUA and backed by the full faith and credit of the United States Government.

Our Money Market Account also include these services:

  • Same-day supply of personalized checks
  • Duplicate checks available for your records
  • 24/7 account access via Online Banking, Telephone Banking and ATMs worldwide
  • Check images available through Online Banking
  • One monthly statement for all of your accounts

Money Market Account Rates

Rates are accurate as of 08/02/2019 and subject to change at any time.

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RATE INFORMATION. The Annual Percentage Yield (APY) 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. The interest rate and Annual Percentage Yield (APY) may change monthly as determined by our Board of Directors. Your rate may vary based on an Index. See Variable Rate Information below. You must provide and maintain minimum opening deposits and/or minimum daily balances in order to earn the APYs stated above, if so indicated.

1 MINIMUM BALANCE REQUIREMENTS. The minimum balance requirements for each account are set forth above. Minimum balance requirements may include a minimum opening deposit, the minimum balance that you must maintain in the account to avoid service fees, and the minimum balance that you must maintain each day to earn the stated Annual Percentage Yield for that account. The Par value of a share in this credit union is disclosed on the Fee Schedule.

2 COMPOUNDING AND CREDITING. The frequency with which interest will be compounded/credited and is set forth above. The “Month” begins on the first calendar day of the month and ends on the last calendar day of the month.

3 VARIABLE RATE INFORMATION. If your rate is variable as indicated above, the rate is based on the Board of Director’s discretion. We may change the rate monthly. There are no limitations on the amount the rate can change.

4 TRANSACTION LIMITATIONS. For Money Market accounts: There is no minimum withdrawal amount. For all accounts except share draft/checking accounts: during any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to a fee or may be closed.

BALANCE COMPUTATION METHOD. We use the Average Daily Balance to calculate interest on your account. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

ACCRUAL OF INTEREST. Interest will begin to accrue on the business day that you deposit noncash items (e.g. checks) to your account. If you close your account before interest is paid, you will not receive the accrued interest.

COURTESY PAY. Courtesy Pay may allow members who are in “good standing” to overdraw their personal checking account up to $1,000.00. The account must be open at least 60 days. To be in “good standing”, you must (1) be making regular deposits sufficient to cover transactions; (2) bringing the account to a positive available balance at
least once every 30 days or less; (3) there are no tax levies, garnishments, or other legal action against the account; (4) be age 18 and over; (5) be current on all loans and obligations; and (6) have no past charge-offs that have not been fully
recovered. If you overdraw your account, we may, at our discretion, pay overdrafts up to the $1,000.00 limit. You will be assessed either an NSF Fee or Courtesy Pay Fee, but not both. These fees will be included in the $1,000.00 limit. Courtesy Pay is a non-contractual privilege that requires no action on the member’s part. It is not a loan. You will receive notice of any overdrafts on your periodic statement. If you receive a direct deposit of your monthly Social Security payment into your checking account and do not want Courtesy Pay eligibility, you must advise us to stop us from paying your overdrafts with these funds.


Additional fees may or may not be applicable, and if they are applicable, they could reduce the earnings on the account.