Money Markets

Your savings can handle a little more responsibility.

Open a Money Market Account

Money Markets

Your savings can handle a little more responsibility.

Open a Money Market Account
Competitive tiered rates 

to help you save faster.

Access your money 

when you need it.

Money Markets

Your savings can handle a little more responsibility.

Open a Money Market Account

More money saved. More potential to earn.

A Money Market lives somewhere between everyday savings and a Certificate – you get competitive earning potential without committing your money to a set term. Your funds stay accessible, and higher balances can qualify for higher rates.

Your Money Market rate isn't tied directly to stock market performance. Financial Center sets Money Market rates independently, and rates may change over time. That means your earning potential isn't based on whether the market is up or down. 

With a Money Market Account, you can:

  • Earn a competitive rate on your balance
  • Unlock higher APYs as your balance reaches higher tiers
  • Access your money when you need it
  • Manage balances and transfers with Digital Banking
  • Get started with a $1,000 minimum deposit

Your balance moves up. Your rate can, too

Our Money Market Accounts use tiered rates, which means your earning potential can increase as your balance grows. It’s a way to put larger savings balances to work while still keeping your money accessible when plans change.

Growing it doesn’t mean locking it away

A bigger savings balance can still be money you want within reach. Check your balance, move money between accounts, and manage your savings through Digital Banking – without committing your funds to a set term. You'll always be able to transfer them whenever a need pops up.

More Money Market options.

Different savings goals call for different accounts. Financial Center also offers Money Market options for Health Savings Accounts, IRAs, and businesses – all designed to help you make more of the money you’re setting aside.

Extra protection for the money you’ve worked for.

Your savings come with an added layer of protection. In addition to standard NCUA insurance coverage, Financial Center provides Excess Share Insurance as a member benefit – helping protect qualifying deposits beyond federal coverage limits.

Why Financial Center?

Your money may be sitting still for a while, but your goals aren’t. Financial Center pairs competitive rates with real guidance to help you choose a Certificate and term that make sense for what you’re working toward.

Competitive rates

to give your savings more earning power.

Flexible term options
so you can choose a timeline that works for you.
Real guidance
from financial coaches or self-guided solutions in the Financial Wellness Hub.

Still deciding? Let's explore your options together.

Certificates
Elevated Interest Checking
IRA
Money Market
Starter Savings Account
2.23%1
1.74%2
2.23%1
2.23%3
0.05%3
Minimum opening $500
Minimum opening $50; $5,000 average daily balance to avoid monthly fee
Minimum opening $500
Minimum opening $1000
Minimum opening $100
91 days - 60 months
N/A
91 days - 60 months4
N/A
N/A
Balance Inquiry Only
Yes
Balance Inquiry Only
Yes
Yes

Your financial playbook for real life.

Tools to support your success.

Create a Budget

A practical, workable budget is one of the most crucial tools in your financial wellness arsenal. Learn tips on where to start and how to be fluid with changing priorities.

  2 minute read

Read More

Frequently asked questions

View All FAQs

A Money Market Account combines the flexibility of a savings account with the opportunity to earn higher dividends on larger balances.

With a minimum opening deposit of $1,000, you'll have access to your money when you need it while earning competitive rates. As your balance increases, you may qualify for higher dividend rate tiers.

If you're looking to grow your savings without locking your money away, a Money Market Account could be a great fit.

It depends on your savings goals and when you'll need access to your money.

  • A Certificate may be the better choice if you're comfortable setting your money aside for a fixed term in exchange for a guaranteed dividend rate.
  • A Money Market Account may be a better fit if you want to earn competitive dividends while keeping your savings readily available for planned or unexpected expenses.

Not sure which option is right for you? Our financial coaches are happy to help you compare your options and choose the savings solution that best fits your goals.

Have savings you won't need just yet?

Give those dollars a chance to grow  and make more of the money you've already worked hard to save.
Certificates

  1. APY - Annual Percentage Yield: Rates and terms subject to change. Penalties assessed for early withdrawal. Fees may reduce earnings.

  2. APY - Annual Percentage Yield: Rates may change after account is opened. Minimum account opening deposit of $50 required. Rates and terms subject to change. Fees may reduce earnings.

  3. APY - Annual Percentage Yield: Rates may change after account is opened. Dividends paid monthly based on daily balances. Rates and terms subject to change. Fees may reduce earnings.

  4. Available terms vary. See current IRA rates and disclosures for specific terms, rates, and applicable withdrawal provisions.