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Maximum Money Market

High yield savings PLUS flexible access to your funds.

4.59% APY*

Open your Maximum Money Market™ account today with no minimum balance to start earning. Or, open with $50,000 or more to get the LIMITED TIME New Account 6 Month Promotional Rate.3

Explore our Maximum Money MarketTM account

Our Maximum Money Market™ the perfect deposit account for your savings goals. This account offers a high-yield variable APY that performs with current prime rates so that you always receive our best dividend rate. Open an account today to earn a preferred rate on your savings while having flexible access to add or withdrawal your funds at any time.

High-yield dividend rates

Balance Tiers Guaranteed Dividend Rates Dividend Rate APY*
$0.01 - $49,999.99 Fixed Rate1 0.10% 0.10%
$50,000 - $149,999.99
Variable Rate2
WSJP minus 6.50%
2.00% 2.02%
$150,000 - $299,999.99
Variable Rate2
WSJP minus 6.25%
2.25% 2.27%
$300,000 - $499,999.99
Variable Rate2
WSJP minus 6.00%
2.50% 2.53%
$500,000 - $999,999.99
Variable Rate2
WSJP minus 5.50%
3.00% 3.04%
$1,000,000 and More
Variable Rate2
WSJP minus 4.50%
4.00% 4.07%

Maximum Money Market account benefits

This account offers you our best variable savings rates while allowing flexible access to your funds.

  • Always get the preferred savings rate — High-yield, variable dividend rates
  • Never pay monthly fees – No monthly maintenance fees, and no minimum balance requirement
  • Keep flexible access to your funds – No excessive withdrawal fees
  • Safe and secure savingsFunds are insured by the NCUA up to $250,000
  • Special Money Market checks available

Account requirements

  • Available to all new and existing memberships – personal, business and fiduciary
  • No direct deposit requirement
  • No minimum balance requirement
  • Limit of one account per membership

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
Paid Monthly
Maximum Dividend Variable 4.07% APY* for balances over $1,000,0002 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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Ready to maximize your savings?

Open a Maximum Money Market Account Online

Open a Maximum 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 Maximum 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 or Loan" to get started.


*APY=Annual Percentage Yield.  8.50% - Current WSJP effective as of April 30, 2024. Variable dividend rate is adjusted on the last day of each month.    


1 The Fixed Dividend Rate and Annual Percentage Yield for the lowest balance tier may change as determined by the Board of Directors.    


2 Variable Dividend Rates may change after the account is opened. The Variable Dividend Rate and Annual Percentage Yield for the tiers other than the lowest balance tier will be adjusted on the last 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. 


3 In order to be eligible for the Promotional Rate offer, $50,000 NewMoney must be deposited within twelve (12) days after date of account opening. “New Money” is defined as funds transferred from another financial institution via ACH, cash, or check. Checks or transfers from other Members Choice accounts do not qualify as "New Money.” APY applies for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current applicable APY for the Maximum Money Market Account applicable tier. Promotion may end at any time. If $50,000 New Money is not deposited within twelve (12) days of account opening, applicable APY for Maximum Money Market Account applies.
The Maximum Money Market is available to all of the following new and existing membership types – personal, business and fiduciary. At our sole discretion, the number of Maximum Money Market Accounts per member may be limited.

Please see our Fee Schedule (PDF) for details.


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