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Classic Money Market

More cash, anytime access, with a guaranteed rate.




Lock in the win with a Classic Money Market Account

Ready to save up quickly while still having easy access to your cash? Our Classic Money Market account is perfect for short-term goals like gifts for family, a dream vacation, or something fun for your home. It’s like a regular savings account but with better interest, and the rate is locked in, so you’ll always earn more without any surprises.

Crush your goals and lock-in these competitive rates 

Balance Tiers Guaranteed Dividend Rates Dividend Rate APY*
$2,000 - $9,999.99 Fixed Rate1 0.10% 0.10%
$10,000 - $49,999.99 Fixed Rate1 0.10% 0.10%
$50,000 - and higher Fixed Rate1 0.15% 0.15%

Classic Money Market account benefits

This account offers higher savings rates while letting you access your cash whenever you need it. Use it to build up a vacation fund, save for a splurge, or stash away extra money for family gifts—all while you earn more on your savings.

  • Savings at a rate better than a traditional savings – Competitive, fixed dividend rates
  • Keep flexible access to your funds – No excessive withdrawal fees
  • No monthly fees – No monthly maintenance fees when you maintain a low minimum balance requirement of $2,0004
  • Safe and secure savings – Funds are insured by the NCUA up to $250,000
  • Special Money Market checks available


Compare Money Market Accounts


 Maximum Money MarketTM Classic Money Market
Minimum Balance to Earn Dividends $.01 $2,000
Dividend Type Below $50,000 – Fixed
Above $50,000 – Variable
Paid Monthly		 Fixed
Paid Monthly
Maximum Dividend Variable 4.07% APY* for balances over $300,0002 Fixed 0.15% APY* for balances over $50,0001
Monthly Service Fee $0 $0
$15/month if balance is below $2,000
Transaction Limits No excessive withdrawal fees
Availability Personal, Business, and Fiduciary membership types

More Maximum Money Market Details More Classic Money Market Details

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Are you ready to boost your savings?

Open a Classic Money Market Account Online

Open a Classic Money Market Account in a Branch

To apply in person, visit a branch near you.
Current Members Choice members, you can “Quick Apply” for a new Classic Money Market account in online banking or your mobile app. Login(Opens in a new Window), and select the "Quick Apply" menu, then click on "Open an Account, CD or Loan" to get started.

Requirements

  • Available to all new and existing memberships – personal, business and fiduciary
  • No direct deposit requirement













Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.

 

*APY=Annual Percentage Yield.  8.50% - Current WSJP effective as of September 1, 2024. Variable dividend rate is adjusted on the last day of each month. 


1 The Fixed Dividend Rate and Annual Percentage Yield for the balance tier may change at any time without prior notice. Classic Money Market accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account. 

 

2 The Variable Dividend Rate and Annual Percentage Yield for the Maximum Money Market will be adjusted on the first day of each month. The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. 

 

4 Fee charged if $2000.00 minimum balance is not maintained. Please see our Fee Schedule (PDF) for details.