Great Rates to Grow Your Savings
A UFCU Money Market account provides these advantages:
- Much higher earning potential than a savings account
- More accessibility to your funds than a Certificate of Deposit
- Federal insurance by the NCUA for funds up to certain limits
- A tiered rate structure that pays you more for higher balances—different rates apply to tiers within your balance
UFCU Money Market account returns are not dependent on any traded markets.
| Money Market Tier |
Rate |
APY Range |
APY Range
(with bonus dividend) |
| $0 to $10,000 |
0.010% |
0.01% |
0.01% |
| $0 to $10,000 w/ Bonus Dividend1 |
0.060% |
0.06% |
0.06% |
| $10,000 to $49,999.99 |
0.150% |
0.01-0.12% |
0.06–0.13% |
| $50,000 to $99,999.99 |
0.499% |
0.12-0.31% |
0.13-0.32% |
| $100,000 to $499,999.99 |
0.995% |
0.31-0.86% |
0.31-0.86% |
| $500,000 to $999,999.99 |
3.445% |
0.86-2.18% |
0.86-2.18% |
| $1,000,000 and Greater |
4.169% |
2.18-4.25% |
2.18-4.25% |
Effective Date: September 26, 2023 (terms subject to change)
1Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member’s checking account.
Our tiered-rate calculation method offers higher rates as your balance increases. The stated interest rate is only paid on the portion of the balance within the specified tier.
A tiered-rate Money Market share is an account that pays a higher dividend rate as your balance increases and crosses a minimum balance threshold. Once your balance exceeds the next balance tier, the applicable, higher dividend rate applies only to the amount that falls into that tier.
Earn a Bonus Dividend
Members can sweeten their Money Market savings with an additional .05% APY (over the standard rate). The Bonus Dividend rate is earned on the first $10,000 in Money Market account deposits.
We’ll automatically apply your bonus dividend rate when you perform at least 10 qualifying checking account transactions* in a single month:
- Use your debit card to make a purchase
- Perform a UFCU Bill Pay transaction
- Deposit your payroll check with Direct Deposit
- Write a check
- Make a deposit
- Transfer money to or from your accounts
- Make a deposit or withdrawal at UFCU through any ATM
Visit your local branch to learn more
* Checking account transactions that do not qualify for the UFCU Money Market Bonus Dividend rate are fees, posted dividends, or returned items.
Money Market On the Go
Access UFCU wherever you are and make quick, easy deposits with mobile banking.
Learn more
Still Have Questions?
Read our Frequently Asked Questions about Money Markets. Stay on top of your financial health by knowing the terms of your accounts.
APY = Annual Percentage Yield
Dividends are based on UFCU's earnings at the end of a dividend period and cannot be guaranteed.
* Checking account transactions that do not qualify for the UFCU Money Market Bonus Dividend rate are fees, posted dividends, or returned items.