Money Market savings accounts

Money Market savings accounts earn a higher interest rate than traditional savings accounts but you can still access your funds. Transfer money to a Money Market account for 1.55% annual percentage yield (APY) or Investor's Money Market up to 2.25% APY.


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Money Market up to 1.55% APY

Enjoy the benefits of a Money Market account:

  • Save with a higher dividend rate.

  • Dividends calculated daily, compounded and paid monthly

  • No minimum balance required to earn interest on daily balance

  • Service fee waived when you maintain a $1,000 minimum balance

  • No monthly withdrawal or deposit limits

  • Balance used to calculate Member Merits

  • Access funds using online banking, mobile banking, ATMs or PAT (Phone Access Teller)

Investor’s Money Market up to 2.25% APY

All the benefits of a Money Market account plus:

  • Tiered dividend rates — earn more for larger deposits.

  • $10,000 required to open account

  • Service fee waived when you maintain a $10,000 minimum balance

 


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Money Market account rates
Effective Date: Wednesday, June 19th, 2024
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Money Market $0.00 1.54% 1.55%
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.

Investor's Money Market account rates
Effective Date: Wednesday, June 19th, 2024
For account balances ofDividend rateAnnual Percentage Yield (APY)
0 -$9,999 0.00% 0.00%
$10,000 - $24,999 1.59% 1.60%
$25,000 - $49,999 1.64% 1.65%
$50,000 - $99,999 1.98% 2.00%
$100,000 and more 2.23% 2.25%

Money Market monthly account fees
Effective Date: Wednesday, June 19th, 2024
AccountEssentialEnhanced Premier
Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees. See the Member Merits reward program page for details.
Money Market
Balances of $1,000 of more
$0.00 $0.00 $0.00
Balances of less than $1,000
$15.00 $10.00 $5.00
Investor's Money Market
Balances of $10,000 or more
$0.00 $0.00 $0.00
Balances less than $10,000
$20.00 $15.00 $5.00
Early closure fee (accounts held less than 90 days)
$55.00 $55.00 $55.00
Overdraft Paid (Courtesy Payment)
$10.00 or less No fee No fee No fee
$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 $3.00 per presentment*** $3.00 per presentment*** $3.00 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.


Learn about other savings accounts

Get details about these savings accounts at Oregon State Credit Union.



Members: open your account today


Not a member? Start here

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