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Maximum Money Market

You'll always get a preferred savings rate with a Maximum Money MarketTM account

For a limited time, you can earn a 4.33% APY* Promotional Rate for 6 months when you open your account with more than $50,000 in new money deposits.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* LIMITED TIME PROMOTIONAL RATE APY*
$0.01 - $49,999.99 Fixed Rate1 0.10% 0.10%
$50,000 - $149,999.99
Variable Rate2
WSJP minus 5.00%
3.50% 3.56%
4.33% APY*
6-Month Promotional Rate on all balances over $50,000 when you open your account with $50,000 or more of new money.3
$150,000 - $299,999.99
Variable Rate2
WSJP minus 4.75%
3.75% 3.82%
$300,000 and higher
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 $300,0002 Fixed 0.15 % APY* for balances over $50,0001
Introductory Promotional Rate
4.33 % APY* for balances over $50,000 for 6 months when funded with new money3
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 July 27, 2023. 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 Maximum Money Market Account promotional rate applies if member deposits a total of more than $50,000 within first 12 days after account is opened from sources other than an existing Members Choice Credit Union account.  Promotional rate will apply for the first six statement cycles in which the account is open.  After that, standard Maximum Money Market Account rates will apply.


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.