Best Credit Union Money Market Account Rates — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top credit union money market rates currently available include 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 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, and Connection Credit UnionConnection Credit Union10200 Silverdale Way NW, Silverdale, WA 98383A5.0 ★Texas Ratio: 8.51% offering Youth Money Market at 5.12% 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 5.00% APY. Savings rates as of June 27, 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: June 27, 2026
Compare the Best Credit Union Money Market Rates
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Tiered balance; $0.00 - 24,999.99
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APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Essential Money Market accounts are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.
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Rates are effective as of 6/16/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
Qualifications Required: Primary member must have at least one checking account and it must be in good standing; Be enrolled in Interra Online Banking; Elect to receive e-Statements; Tiered rate account. 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.
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. Tiered rate account. 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.
Compounding: Monthly
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as high as
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APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444.
New money only. Rates are current as of 6/1/2026, and subject to change at any time without notice.
Guaranteed through June 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.
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Qualifying balance $400,000 and greater
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Earn up to 4.00% APY with tiered rates. Up to 3 withdrawals a month.
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Tier: $0.00 - $2,000
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Essential Money Market accounts are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.
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Balance range: $500,000 and over
Tiered balance; APY**
Compounded: Monthly
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Minimum opening deposit for 4.00% is $1,000,000. No monthly maintenance fees or ongoing balance requirements. No minimum withdrawal requirements. Make deposits in any amount at any time. Dividends are compounded daily and paid monthly.
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The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 5/1/2026 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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Minimum balance to earn interest $5,000. Member is allowed 3 transactions per month to retain Money Market interest rate.
High Yield Checking restrictions apply
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The Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333.
Balances Above $100,000; Limit 1 withdrawal per month
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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)
Rates are effective as of 6/16/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
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Balance: Up to $49,999.99
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high-rate money Market Savings.
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Online & Mobile Banking: Free; eStatements: Free; NCUA Insurance: Up to $250,000
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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)
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On balance above $350,000
Matches 6 Month CD APY
For six months when you become a new member and open a Flex Money Market or Business Money Market account!
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Rates are effective as of 6/16/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
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APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Fees may reduce earnings.
Rates & terms available by clicking link.
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Requires $2,500 to open. Premium Money Market requires $50,000 to open.
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Balance $50,000 or more
APY is accurate as of 12/01/2025. Required minimum balance to open is $500. To earn the stated APY, minimum balance required is $1,000,000. This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account.
New money only. Rates are current as of 6/1/2026, and subject to change at any time without notice.
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Balance: $1,000,000 or more
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Tier 3
$15,000+
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Tier: $5,000,000 And Greater
New money only
2.05% APY after the promotion
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New money only
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Compounded: Monthly
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The Higher the Amount the Higher the Interest Rate.
Access your funds anytime. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. Fees may reduce earnings.
Apply Online
Invest in your future with up to 3.50% APY.1 Saving should be effortless. With a Money Market account, it is.
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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)
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Qualifications Required: Twelve (12) debit card transactions; be enrolled in electronic statements (eStatements); receive or send at least one (1) direct deposit or ACH transaction; log in to digital banking at least once two days before the end of the month.; Aloha Rewards Checking Account Required.
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$1,000,000+
Qualifications Required; Subject to Change Daily
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Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; Subject to Change Daily
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Qualifying balance up to $250,000.00
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Earn as much as 3.45 % APY
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As High As; 2 APY = Annual Percentage Yield . APY is a standardized measure of the total interest earned on a deposit account over one year, based on the interest rate and the frequency of compounding. APY assumes that interest remains on deposit until maturity. Early withdrawals and applicable fees may reduce earnings. Rates are effective as of 12/12/2025 and are subject to change at any time without notice.
Special
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Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
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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.
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?
- Meridian Trust Federal Credit Union
Momentum 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 - Noble Federal Credit Union
Reverse Money Market — 5.00% APY - Best Financial Credit Union
Easy Access Money Market — 5.00% APY
More Money Market Rate Options
