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 1.00% annual percentage yield (APY) or Investor's Money Market up to 1.75% APY.
Check our Money Market account rates here or use this calculator to estimate your Money Market savings.
Money Market up to 1.00% APY
Enjoy the benefits of a Money Market account:
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Save with a higher dividend rate.
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Dividends calculated daily, compounded and paid monthly
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Dividends earned when you maintain a $1,000 minimum daily balance
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No monthly withdrawal or deposit limits
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Balance used to calculate Member Merits
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Access funds using online banking, mobile banking, ATMs or PAT (Phone Access Teller)
Investor’s Money Market up to 1.75% APY
All the benefits of a Money Market account plus:
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Tiered dividend rates — earn more for larger deposits.
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$10,000 required to open account
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Dividends earned when you maintain a $10,000 minimum daily balance
Articles
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Learn more: What is a Money Market account?
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Learn more: Certificate account, Money Market or savings account?
| Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Money Market | $1,000.00 | 1.00% | 1.00% |
| 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. | |||
| For account balances of | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|
| 0 -$9,999 | N/A | N/A |
| $10,000 - $24,999 | 1.44% | 1.45% |
| $25,000 - $49,999 | 1.49% | 1.50% |
| $50,000 - $99,999 | 1.69% | 1.70% |
| $100,000 and more | 1.73% | 1.75% |
| Account | Essential | Enhanced | 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 |
$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 | 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 | $10.00 per presentment*** | $10.00 per presentment*** | $10.00 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. | |||
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.
Learn about other savings accounts
Get details about these savings accounts at Oregon State Credit Union.