Money Market Account
Grow your funds and keep them accessible, with rates as high as 1.75% APY and no monthly fees.
EARN SIGNIFICANT INTEREST WHILE KEEPING YOUR SAVINGS 100% LIQUID
KEY BENEFITS
No monthly fees
Competitive rates
Flexible access
Two account options
Why choose an OSCU Money Market account?
OSCU Money Market accounts give you the best of both worlds — higher earnings than traditional savings and the freedom to access your funds when you need them.
Grow your savings faster
- Earn more with competitive rates
- OSCU calculates dividends daily and pays them monthly, so your savings work for you year-round
- No monthly fees that can cut into your earnings
Flexible access
- Earn rates comparable to certificates, while keeping your funds 100% liquid
- Deposit and withdraw without limits
- Access your funds anytime through online banking, mobile app, ATMs, or our Phone Access Teller
Two account options
Money Market Account
- Open with as little as $5.00
- Earn 0.80% APY on balances of $1,000 or more
Investor’s Money Market Account
- Open with a balance of $10,000
- Earn tiered rates based on balance, up to 1.75% APY
Peace of mind
- Earn great returns without the stock market volatility
- Perfect option for those saving for a specific goal, or retirees keeping a portion of their funds liquid
- Federally insured by the National Credit Union Administration (NCUA) Share Insurance Fund, up to $250,000
Money Market account details
Effective date
Friday, December 19, 2025
| Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Money Market | $1,000.00 | 0.80% | 0.80% |
| Investor's Money Market | $10,000.00 | See chart below | See chart below |
Minimum balance to open a Money Market account is $5.00. | |||
Minimum balance to open an Investor’s Money Market account is $10,000.00. | |||
* Minimum balance that must be maintained each day to earn dividends. | |||
Money Market account rates
Money Market
Investor's Money Market
Minimum balance to open a Money Market account is $5.00.
Minimum balance to open an Investor’s Money Market account is $10,000.00.
* Minimum balance that must be maintained each day to earn dividends.
Effective date
Friday, December 19, 2025
| For account balances of | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|
| 0 -$9,999 | N/A | N/A |
| $10,000 – $24,999 | 1.34% | 1.35% |
| $25,000 – $49,999 | 1.39% | 1.40% |
| $50,000 – $99,999 | 1.59% | 1.60% |
| $100,000 and more | 1.73% | 1.75% |
Investor’s Money Market account rates
0 -$9,999
$10,000 – $24,999
$25,000 – $49,999
$50,000 – $99,999
$100,000 and more
| Account | Essential | Enhanced | Premier |
|---|---|---|---|
| Money Market | |||
| Balances of $1,000 of more | 0.00 | 0.00 | 0.00 |
| Balances of less than $1,000 | 0.00 | 0.00 | 0.00 |
| Investor's Money Market | |||
| Balances of $10,000 or more | 0.00 | 0.00 | 0.00 |
| Balances less than $10,000 | 0.00 | 0.00 | 0.00 |
| Early closure fee (accounts held less than 90 days) | 0.00 | 0.00 | 0.00 |
| Overdraft Paid (Courtesy Payment) | |||
| $10.00 or less | $10 per presentment** | $10 per presentment** | $10 per presentment** |
| $10.01 or greater | $10 per presentment** | $10 per presentment** | $10 per presentment** |
| Returned Item fee (non-sufficient funds) | |||
| $10.00 or less | No fee | No fee | No fee |
| $10.01 or greater | $10 per presentment** | $10 per presentment** | $10 per presentment** |
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account. ***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment. | |||
Money Market monthly account fees
Money Market
Balances of $1,000 of more
Balances of less than $1,000
Investor's Money Market
Balances of $10,000 or more
Balances less than $10,000
Early closure fee (accounts held less than 90 days)
Overdraft Paid (Courtesy Payment)
$10.00 or less
$10.01 or greater
Returned Item fee (non-sufficient funds)
$10.00 or less
$10.01 or greater
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment.
Financial Education Center
What is a Bull or Bear Market? And Other Market Terms
Savings Growth Calculator*
Different factors can impact the growth of your savings over time such as the frequency of deposits and the rate of compounding. Use this calculator to determine the future value of your recurring savings and any existing balance you might have accumulated.
*Interactive calculators are made available as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters.
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