America's Christian CU
America's Christian Credit Union

Money Market Account

Get a higher dividend rate than you would with a traditional savings account, plus easy access to your money. All without being locked into a term. Pretty perfect way to save.

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Today's Rate - Valid 05/22/2024
Money Market Tier 4

High-Yield Returns

A Money Market account is ideal for members who have larger balances and need limited access to their money. Money Market accounts earn higher dividends which will generate more savings.

If you hold a high balance in a traditional savings account or checking account, your money may not be working as hard for you as it could. A money market account often earns better dividends than a typical checking or savings account, and gives you the flexibility of easy access, along with higher dividends. A money market account is a very good option for your emergency fund.

Many people choose a money market for the higher dividends combined with the availability of funds in an emergency without penalties. Money market accounts can be opened with as little as $2,500 and have five rate tiers to choose from.

Benefits of Money Market Account:

  • Earn competitive dividends on a balance of $2,500 or more
  • Tiered rate structure
  • Dividends paid monthly
  • Higher rates than regular savings
  • Up to 6 free withdrawals per month (Reg D limits apply2)
  • No monthly maintenance fee
  • $2,500 minimum deposit to open
Your Money is Safe and Federally Insured

National Credit Union Insurance Fund

Your deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is managed by the National Credit Union Administration, an independent agency of the United States Government. Your deposits are insured up to $250,000 per individual account and up to $250,000 for Individual Retirement Accounts.

American Share Insurance

Members of America’s Christian Credit Union with qualifying personal accounts exceeding the maximum level of coverage provided by the NCUA are also insured up to an additional $200,000 by ASI for a total of $450,000 of coverage. And, qualifying business/church accounts exceeding the maximum level of NCUA coverage are also insured up to an additional $100,000 by ASI for a total of $350,000 of coverage. ASI’s additional insurance coverage at America’s Christian Credit Union only applies to qualifying personal checking, savings, TSC and IRA accounts and to qualifying business/church accounts.

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As a member of America’s Christian Credit Union, we’re dedicated to providing you all the support you need to reach your financial goals along with a premier banking experience.
Savings Goal Calculator

What are you saving for: a computer, car, boat, summer home, down payment? Use this calculator to determine what you need to save on a regular basis to have the funds ready when needed.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not imply that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. This calculator is not an offer of credit nor a guarantee of approval.

Money Market Account Frequently Asked Questions

What is a money market account?

A money market is a savings account that usually earns higher dividends than a traditional savings account. In this way, it’s similar to a certificate. However, the funds aren’t locked down for a set period of time, so you can access them as needed.

Is there a minimum deposit required to open a Money Market Account?

Yes, there is a $2,500 minimum deposit required at account opening. Whether you are coming to us an experienced saver or just starting, a Money Market Account is the perfect way to earn interest while keeping your money safe and secure.

Is there a minimum deposit to earn dividends?

Yes, depending on your deposit amount there is a different threshold to earn dividends. See the full rate chart for details.

1 – APY = Annual Percentage Yield.

2 – Regulation D limits certain account transfers/withdrawals to six (6) per calendar month. Limited transactions include: Pre-authorized, automatic, online or telephone withdrawals or transfers to the member’s own account at the credit union or that of a third party; transfers or withdrawals made by check, draft, debit card or similar payable to a third party; overdraft transfer services. Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals made by the member in person or through an ATM, by mail or by telephone (which results in the mailing of a check made payable to the member). If the account holder attempts to exceed these transfer limits a fee may be imposed and the credit union may reclassify or close the account. See Truth in Savings for full disclosure.