Money Market Accounts

Women standing with hands on desk

Money Market Account

  • Maximize your returns with a balance of $1,000 or more. 
  • No penalty if your balance dips below $1,000 (some restrictions apply). 
  • No withdrawal penalty. 
  • Accounts insured for up to $250,000 by the NCUA. 
Man retired enjoying kayaking in free time

Investor Plus Account

  • $10,000 minimum deposit to open.
  • Tiered dividends provide higher returns as your balance grows.
  • Make up to three penalty-free withdrawals per month.

Savings Rate Comparison Accurate as of Saturday, July 20, 2024

Savings Rate and Fee Schedule
Dividend Rate Annual Percentage Yield Minimum Opening Balance Minimum Required Balance
Membership Savings / Simple Savings
$0 - $499.99 Dividend Rate0.10 % APY0.10 % Minimum Opening Balance$5 Minimum Required Balance$5
$500 - $2,499.99 Dividend Rate0.20 % APY0.20 % Minimum Opening Balance$5 Minimum Required Balance$5
$2,500 - $9,999.99 Dividend Rate0.35 % APY0.35 % Minimum Opening Balance$5 Minimum Required Balance$5
$10,000 + Dividend Rate0.55 % APY0.55 % Minimum Opening Balance$5 Minimum Required Balance$5
Cultivate Savings
$0 - $499.99 Dividend Rate4.88 % APY5.00 % Minimum Opening Balance$5 Minimum Required BalanceNone
$500 - $999.99 Dividend Rate2.96 % APY3.00 % Minimum Opening Balance$5 Minimum Required BalanceNone
$1,000 - $2,499.99 Dividend Rate0.20 % APY0.20 % Minimum Opening Balance$5 Minimum Required BalanceNone
$2,500 - $9,999.99 Dividend Rate0.35 % APY0.35 % Minimum Opening Balance$5 Minimum Required BalanceNone
$10,000 + Dividend Rate0.55 % APY0.55 % Minimum Opening Balance$5 Minimum Required BalanceNone
Vault Youth Savings
$0 - $499.99 Dividend Rate4.88 % APY5.00 % Minimum Opening Balance$5 Minimum Required Balance$5
$500 - $999.99 Dividend Rate2.96 % APY3.00 % Minimum Opening Balance$5 Minimum Required Balance$5
$1,000 - $2,499.99 Dividend Rate0.20 % APY0.20 % Minimum Opening Balance$5 Minimum Required Balance$5
$2,500 - $9,999.99 Dividend Rate0.35 % APY0.35 % Minimum Opening Balance$5 Minimum Required Balance$5
$10,000 + Dividend Rate0.55 % APY0.55 % Minimum Opening Balance$5 Minimum Required Balance$5
Money Market
$0-$999.99 Dividend Rate0.05 % APY0.05 % Minimum Opening Balance$1,000 Minimum Required BalanceNone
$1,000 + Dividend Rate1.54 % APY1.55 % Minimum Opening Balance$1,000 Minimum Required BalanceNone
Investor Plus
$0 - $9,999.99 Dividend Rate0.00 % APY0.00 % Minimum Opening Balance$10,000 Minimum Required Balance$10,000
$10,000 - $49,999.99 Dividend Rate1.19 % APY1.20 % Minimum Opening Balance$10,000 Minimum Required Balance$10,000
$50,000 - $249,999 Dividend Rate1.98 % APY2.00 % Minimum Opening Balance$10,000 Minimum Required Balance$10,000
$250,000 + Dividend Rate2.23 % APY2.25 % Minimum Opening Balance$10,000 Minimum Required Balance$10,000

Maintenance and activity fees may apply and could reduce earnings.

Resources

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