MONEY MARKET
Tiered rates and a checkbook, starting at $2,500
A Money Market account is for a larger balance you want to keep liquid and occasionally spend from directly. Rates rise as the balance rises, and you can write up to six checks a month against it.
Tiered rates
What each balance earns
Your rate is set by the balance in the account at the end of each day. Cross a threshold and the new rate applies from that day forward.
Balance
APY
Minimum
Check writing
Under $2,500
0.10% APY
None
6 per month
$2,500 to $24,999
3.60% APY
$2,500
6 per month
$25,000 to $99,999
3.85% APY
$25,000
6 per month
$100,000 to $249,999
4.00% APY
$100,000
6 per month
$250,000 and above
4.10% APY
$250,000
6 per month
Rates current as of July 2026 and subject to change. $2,500 is required to open. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
How it works
The mechanics, without the fine print voice
The whole balance earns the tier rate
At $30,000 the entire balance earns 3.85% APY, not just the portion above $25,000. Nothing is split across brackets.
Six checks or drafts a month
Write a check, schedule a transfer, or send an ACH debit; six of those combined are free each month. Each additional item is $10.
Insured and fee-free
There is no monthly service charge at any balance, and deposits are federally insured by NCUA to at least $250,000 per member.
Money Market or savings
Be honest about how you use the money
Below $250,000, High-Yield Savings pays a higher rate than any Money Market tier, and it has no minimum at all. The Money Market earns its place when you need to pay something large directly out of the account instead of routing it through checking first.
Who it suits
Two members, two different answers
We would rather you land in the right account than the more impressive-sounding one.
Pick Money Market if
You keep at least $2,500 parked, you occasionally pay a large bill straight from that balance, and you would rather not shuttle money into checking every time. Above $250,000 the 4.10% tier also gives you a place for serious cash with same-day access.
Pick High-Yield Savings if
You are building an emergency fund, your balance moves around, or you simply want the highest rate we publish. At 4.15% APY with no minimum, it beats every Money Market tier and asks nothing of you in return.
Common questions
What happens if my balance drops under $2,500?
The account stays open and keeps working, but it earns the 0.10% APY base rate for any day it sits below $2,500. There is no penalty and no monthly fee, and the tier rate returns the day you build the balance back up.
Do the six items include ATM withdrawals?
No. Withdrawals you make at a teller line, at an ATM, or at one of our 5,600 shared branching locations are unlimited. The six-item limit covers checks, ACH debits, and pre-authorized transfers.
How often does the rate change?
It is a variable rate, reviewed monthly by our asset and liability committee. When a tier changes we publish the new figure on the rates page and it takes effect on the first of the following month.
Can I have a Money Market and a savings account?
Yes, and plenty of members do. A common setup is High-Yield Savings for the emergency fund and a Money Market for a specific large purchase that is coming up in the next year.
Is there a fee to order the checks?
Your first book of Money Market drafts is free. Reorders start around $18 and can be placed inside online banking or at any branch.
Not sure which account fits?
Tell us how you actually use the money and we will point you at the right one, even if it earns us less.