Best Credit Union Money Market Account Rates — August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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Top credit union money market rates currently available include Credit Union of The RockiesCredit Union of The Rockies1010 Johnson Rd Ste 120, Golden, CO 80401 6041A+5.0 ★Texas Ratio: 3.98% offering Giddy Up Money Market at 52.80% APY, and Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY 82001A+5.0 ★Texas Ratio: 3.44% offering Momentum Money Market at 6.00% APY, and Noble Federal Credit UnionNoble Federal Credit Union2580 W Shaw Ln, Fresno, CA 93711 2778A+5.0 ★Texas Ratio: 4.22% offering Reverse Money Market at 6.00% APY, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Martinez, CA 94553A+5.0 ★Texas Ratio: 0.24% offering 1st Class Money Market Accounts at 5.39% APY. Savings rates as of August 29, 2026 according to verified data from MonitorBankRates.
We evaluate every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — helping you find credit unions that offer both competitive rates and financial stability.
APYs reflect actual verified offers. Rates subject to change. Last Updated: August 29, 2026
Compare the Best Credit Union Money Market Rates
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Qualifications Required: Qualifications Required; All balances if qualifications are not met: 0.01%; Qualifying balance up to $7,500.00
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Qualifications Required: 40 or more transactions per month; e-statements; Accounts with 40 or more transactions per month and e-statements. Balances $10,001 and above will earn .05% APY.
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Qualifications Required: must meet membership eligibility; minimum to open is $100,000 in new money; no minimum balance requirement; balance capped at $5MM for one owner (SSN); to earn higher tier APYs must maintain tier minimums; Jumbo Money Market Account Dividend Rate and Annual Percentage Yield (APY) may change without prior notice, before or after account is opened. Fees could reduce earnings. To qualify for the Jumbo Money Market Account (1) must meet membership eligibility; (2) minimum to open is $100,000 in new money, (3) no minimum balance requirement, (4) balance capped at $5MM for one owner (SSN), (5) to earn higher tier APYs must maintain tier minimums.
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Balances below $1,000 will not earn dividend and APY. Annual Percentage Yield (APY) accurate as of 7/15/2026. Rates subject to change without notice.
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Tier 8
Rate Type: Variable; Compounded / Paid: Daily / Monthly
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Limited-time introductory offer. Rates earned are based on balances, calculated daily, and compounded to the account monthly. All tiers are subject to variable rate pricing. Under no circumstance will the rate for any tier be less than 0.10%. Fees may reduce earnings.
Intro APY for the first 90 days. Membership eligibility required. Rates are subject to change at any time. There is no minimum balance requirement to open this account. To earn dividends, you must have a balance greater than $0. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance up to $99.99, Tier 2: $100.00-$4,999.99; Tier 3: $5,000.00-$24,999.99; Tier 4: $25,000.00-$249,999.99; Tier 5: $250,000 or more. We use the daily balance method to calculate the dividend on your account. Funding must be received within 30 calendar days of account opening, otherwise the account may be closed. Dividends begin to accrue no later than the business day we receive the deposit to your account. You will receive the accrued dividends if you close your account before dividends are posted. Rates earned are based on balances, calculated daily, and compounded to the account monthly. Separate checks and debit cards are issued to access this account. Fees may reduce earnings. Full details can be in the Account Disclosure .
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Balances below $15,000 will earn .05 APR
Annual Percentage Yield of 4.07% is accurate as of October 1, 2023. The APY may change after the account is opened. No minimum balance is required to open the account or earn the advertised APY. Fees may reduce earnings. Deposits can only be made by FFCU through qualifying or enrolling in a Loyalty Select Account Program. Members will be responsible for any associated tax liability and may receive a 1099-MISC and a 1099-INT as applicable. All members and account types may not be eligible for a Loyalty Select account. Click here for full terms and conditions
Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.
Rates as of 10/3/22 and subject to change at any time. IMMA = Insured Money Management Account APY = Annual Percentage Yield. Dividends paid monthly. Rates as of 10/3/22 and subject to change at any time.
Rates as of 10/3/22 and subject to change at any time. IMMA = Insured Money Management Account APY = Annual Percentage Yield. Dividends paid monthly. Rates as of 10/3/22 and subject to change at any time. * $500 minimum deposit. Rates as of 8/3/26 and subject to change at any time. Rates are fixed for the term. Annual Percentage Yield (APY) reflects dividends compounded and paid into the certificate monthly. Early withdrawal penalties apply. 7-month, 19-month, and 31-month certificates are promotional terms and rates. These promotions can end at any time.
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Rates effective as of 4/1/26 and subject to change without notice. For Business LINked Money Market Share Accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account. The minimum balance required to open this account is $10,000.
Qualifications Required: Maintain the daily balance; Have an Interra Credit Union checking account in good standing; Be enrolled in Online Banking; Enroll in e-Statements and receive e-Statement notices to a valid email address; Rates effective as of 4/1/26 and subject to change without notice. To receive the stated APY, the primary member must maintain a daily balance of at least $10,000 for a LINked MMSA, have an Interra Credit Union checking account in good standing, and enroll in online banking and e-Statements.
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LIMITED TIME OFFER; Dividends Compounded: Monthly; Beacon's Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
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Qualifications Required: Enrollment in eStatements; A minimum of 20 posted debit card transactions per month (ATM transactions excluded); A monthly direct deposit of over $250; To qualify for the Money Market Account Qualifying Bump Rate, you must have an Ascend Checking account linked to the Money Market account, and you must meet the Ascend Checking account dividend qualifications each month. The three-monthly dividend qualifications for the Ascend Checking account are: 1) Enrollment in eStatements 2) A minimum of 20 posted debit card transactions per month (ATM transactions excluded) and 3) A monthly direct deposit of over $250. If the Ascend Checking dividend qualifications are not met, the Money Market will default to the standard Money Market Account Non-Qualifying Rate.
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LIMITED TIME OFFER; Dividends Compounded: Monthly
Qualifications Required: (1) complete at least 8 debit card transactions each statement period, and (2) maintain an average daily balance greater than $3,500.00; A member must have a Shield Checking Account to be eligible to open the Shield Money Market Account. For Shield Money Market Accounts, if you meet the requirements for the Shield Checking Account, the first dividend rate (or higher yield) and annual percentage yield will apply to the entire balance in the Shield Money Market Account. The qualifications for the member's Shield Checking Account are: (1) complete at least 8 debit card transactions each statement period, and (2) maintain an average daily balance greater than $3,500.00. If you do not meet the requirements, the standard dividend and annual percentage yield listed for the Shield Money Market Account will apply to the entire balance. The balance method used to calculate the interest for the Shield Money Market Account is the Daily Balance Method.
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Compounded: Monthly
Dividends are determined based on a tiered rate method. This means that the interest rate paid on the entire balance in your money market account will be determined by the tier in which your current balance resides. Dividends are calculated by the daily balance method and credited on the last day of each month. Rates are variable and may change after the account is opened.
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Guaranteed through June 30th, 2026. Maximum balance may not exceed $250,000. After June 30th 2026, the rate will default to the posted money market rate at that time. The APY will be based upon your account balance. Available to members who open or maintain a Business Savings Account.
The APY is accurate as of the effective date. Rates and terms are subject to change. Fees could reduce earnings.
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Tiered rate account, the dividend rate and annual percentage yield for each balance range will apply to the portion of the balance in each tier. $500 minimum withdrawal. No minimum balance to earn dividends. Platinum Perks members with balances $20,000+ receive a rate bump of 0.50% APY; VIP Perks, 0.75% APY.
$.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership.
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Qualifications Required: High Yield Checking restrictions apply; Avg Balance up to $10K
The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 8/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
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APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required.
As High As
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Earn 4.00% APY* on your first $2,000.
Promotional Rate**
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Qualifying balance up to $2,000.00
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Current promo rate as high as 4.00% APY* for 6 months. Keep access to funds while enjoying high returns. Big balances get even better rates without locking up your funds. To qualify for the six (6) months promotional 4.00% APY, you must open a new High Yield Money Market (HYMM) using new money (external funds - monies from accounts other than Vantage West or affiliate institutions). After the six (6) month promotional period, the rate will revert to the current standard variable rate offered based on the amount in the account at the time of expiration of the promotional period. The minimum opening deposit for the HYMM is $10,000.00 and must be funded with external funds within ten (10) business days of account opening. Accounts not funded within this timeframe may be closed. The account must maintain a $500.00 minimum balance to remain open. If you do not meet the qualification requirements, the standard dividend rate and APY will apply to your account. This promotion cannot be combined with any other promotional offers, rate enhancements, or relationship pricing. Members must remain in good standing throughout the promotional period to retain eligibility for the promotional rate. Business HYMM accounts are not eligible. Employees and Board Members are not eligible for this promotion. Please see Truth in Savings Bonus Addendum for terms and conditions. Vantage West reserves the right to modify or cancel this promotion at any time without prior notice. Rates for Regular Savings, Premium Savings, Super Saver Kids, Launch Money Market and High Yield Money Markets are variable and may change after the account is opened.
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Earn up to 4.00% APY*, low minimum to earn interest. Write up to 6 checks per month. Limit one (1) Launch Money Market per member. Rates for Regular Savings, Premium Savings, Super Saver Kids, Launch Money Market and High Yield Money Markets are variable and may change after the account is opened.
High yield money market is limited to one per member and will only apply for new money to the credit union. Money withdrawn and re-deposited from Ufirst will not be eligible for the high-yield money market.
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Blended APY range calculated on balances up to $1 million in this tier.
A Traditional, Roth, SEP IRA, or Coverdell ESA Share Account is required in order to open a respective IRA Money Market Account or Coverdell ESA Money Market Account. Funds in an IRA or Coverdell ESA Money Market Account can only be transferred to their other respective IRA or Coverdell ESA accounts. The dividend rate and APY apply to the applicable account balances within each tier. APY= Annual Percentage Yield. Rates effective 8/1/2026 and are subject to change without notice. A blended rate account pays a different dividend rate on the amount of funds in each tier. Each dividend rate will apply only to the portion of the account balance within each balance range tier and not the entire account balance. For example, you'll earn 4.0000 % APY on balances up to $2,000.00. Then depending on your balance between $2,000.01 - $5,000, you will receive an APY between 4.000 % and 3.3848 %. The blending continues for additional balance tiers. Call 888-887-9136 for current rates. Any type of withdrawal will reduce earnings. Blended APY range calculated on balances up to $1 million in this tier.
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Qualifications Required: recurring monthly $500 Direct Deposit; with recurring monthly $500 Direct Deposit
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APY* - Terms and conditions apply, please see the rates page for full details.
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Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $0.01. Fees could reduce earnings. Rates subject to change after account opening.
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Only available for new members - Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Variable
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$250,000; Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Monthly; Balance method: Daily balance
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Variable
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Interest will not be earned if balance drops below $10,000. Fees may reduce earnings. Contact Heritage for details.
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Qualifications Required; Qualifying balance up to $1,000,000.00
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Variable
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Minimum balance to earn interest $5,000. Member is allowed 3 transactions per month to retain Money Market interest rate.
Only available for new members - Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
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Dividend Distribution: Monthly
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Interest Paid: Monthly
compounded monthly
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On balance above $350,000
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Matches 6 Month CD APY
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Variable Rate
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Variable
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Earn 3.75% Annual Percentage Yield for new money only.
$1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
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Money Market Rate Trends
Daily averages from our database of 8,500+ banks and credit unions — updated every evening.
Why Choose a Credit Union for Your Money Market Account?
Credit unions are member-owned, not-for-profit financial cooperatives. Because they don’t answer to shareholders, they can return earnings to members through higher money market rates, lower loan rates, and minimal fees. Accounts at NCUA-insured credit unions carry the same federal deposit protection as FDIC-insured banks — up to $250,000 per depositor.
Many credit unions have expanded membership eligibility well beyond their original sponsor groups. Checking eligibility is easier than ever: most credit unions allow anyone who lives, works, worships, or attends school in a specific geographic area, or who joins an affiliated organization (sometimes with a small one-time donation), to qualify for membership.
How to Find the Best Credit Union Money Market Rate
Because credit unions are community-based, the best money market rate for you depends on your location and eligibility. Use the state filter above to narrow results to credit unions operating in your area. For each institution, MonitorBankRates displays Safety Grades, Star Ratings, and Texas Ratios so you can weigh institutional health alongside the advertised APY.
What a Credit Union Money Market Earns You
Credit unions return earnings to members rather than shareholders, which usually shows up directly in the APY. Here is what a year of interest looks like at the current credit union average versus the top verified offer in our table.
| Balance | Earned in 1 Year at 1.27% APY Credit union average |
Earned at 6.00% APY Top offer in our table | Difference |
|---|---|---|---|
| $5,000 | $63.66 | $300.00 | $236.34 |
| $10,000 | $127.32 | $600.00 | $472.68 |
| $25,000 | $318.30 | $1,500.00 | $1,181.70 |
| $50,000 | $636.60 | $3,000.00 | $2,363.40 |
| $100,000 | $1,273.20 | $6,000.00 | $4,726.80 |
Assumes the rate holds for the full year with no withdrawals, and interest compounding monthly. Money market APYs are variable and can change at any time. Some accounts pay tiered rates, so the advertised APY may require a minimum balance.
How Credit Union Membership Actually Works
The single biggest reason people skip credit union rates is assuming they won’t qualify. In practice the eligibility rules are far looser than the reputation suggests.
Where You Live, Work, or Worship
Most credit unions now have a community charter covering one or more counties. If you live, work, attend school, or worship in the area — or a family member does — you are eligible. That single rule opens the door for the large majority of applicants.
Employer and Association Groups
Many credit unions serve employees of specific companies, plus members of affiliated associations. Check whether your employer appears on the sponsor list; people are frequently eligible through a job they already hold and never realise it.
The Partner-Charity Route
When no other path fits, a number of credit unions grant eligibility to anyone who joins a partner non-profit, often for a one-time donation of a few dollars. It is an entirely legitimate and widely used route to membership.
The Par Value Share
Joining means opening a share account — typically $5 to $25 — which represents your ownership stake. It stays yours, earns dividends, and is returned if you ever close the account. Think of it as a deposit, not a fee.
Nearly all credit unions follow a “once a member, always a member” policy. Move out of the area or change jobs and your membership survives — which means joining one with strong rates today keeps that access open for every product they offer later.
Is Your Money as Safe as It Is at a Bank?
Yes — the protection is equivalent, it just carries a different name. This is the second most common hesitation after membership, and it rests on a misunderstanding.
| Credit Union | Bank | |
|---|---|---|
| Insurer | NCUA (National Credit Union Administration) | FDIC |
| Backed By | ✓ Full faith and credit of the U.S. government | ✓ Full faith and credit of the U.S. government |
| Standard Coverage Limit | $250,000 per depositor, per institution, per ownership category | $250,000 per depositor, per institution, per ownership category |
| Money Market Accounts Covered | ✓ Yes | ✓ Yes |
| Who Owns the Institution | Its members — you | Shareholders |
| Where Profits Go | Back to members as better rates and lower fees | To shareholders as dividends |
Coverage limits are per depositor, per insured institution, per ownership category — joint and individual accounts are counted separately, so a couple can hold more than the single-owner limit at one institution. A money market account at an insured credit union is a deposit and is covered; a money market fund from a brokerage is an investment and is not. Verify any institution at ncua.gov before depositing.
About Our Credit Union Money Market Rate Database
This page tracks money market accounts offered by credit unions specifically, drawn from the thousands of verified rates in our database. Every APY is sourced directly from the credit union’s own website and re-verified regularly, and each listing carries our Health Grade so you can weigh the rate against the institution’s financial stability.
The highest verified APY in our table right now is 6.00% APY from Meridian Trust Federal Credit Union. Money market APYs are variable — the institution can change the rate at any time without notice, so today’s leader may not lead next quarter.
Credit Union Money Market Calculator
See what your balance would earn at a credit union money market APY. We’ve prefilled the top verified rate — click any rate on the right to compare.
Assumes the APY holds for the entire period and interest compounds monthly with no withdrawals. Money market rates are variable and will change — treat multi-year figures as illustrative rather than a forecast. Tiered accounts may require a minimum balance to earn the advertised APY, and interest earned is generally taxable. Not a rate guarantee or an offer.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate credit union money market rates directly from the official websites of credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and Coast-to-Coast Coverage: Our systems monitor thousands of credit unions across all 50 states. Because credit unions frequently serve specific geographic areas or membership groups, using the state filter is highly recommended to surface the best local options.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update credit union money market rates daily. Every product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: MonitorBankRates evaluates the financial stability of every listed credit union. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective NCUA regulatory data — including the Texas Ratio — ensuring you choose financially secure institutions.
Deposit Account Calculators
Frequently Asked Questions about Credit Union Money Market
What is a Credit Union Money Market Account?
Are credit union money market accounts safe?
How do I join a credit union?
Do credit unions offer better money market rates than banks?
Can I open a credit union money market account online?
What is the difference between a credit union money market and a savings account?
What fees do credit unions charge on money market accounts?
What are the best Credit Union Money Market rates right now?
- Credit Union of The Rockies
Giddy Up Money Market — 52.80% APY - Meridian Trust Federal Credit Union
Momentum Money Market — 6.00% APY - Noble Federal Credit Union
Reverse Money Market — 6.00% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - Connection Credit Union
Youth Money Market — 5.12% APY
More Money Market Rate Options
