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 6041A5.0 ★Texas Ratio: 6.48% offering Giddy Up Money Market at 52.80% APY, and Create Credit UnionCreate Credit Union1425 E WINDMILL LN, LAS VEGAS, NV 89123 1901A+5.0 ★Texas Ratio: 2.26% offering Consumer Money Market at 8.30% APY, and Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX 77094 1395A+5.0 ★Texas Ratio: 5.67% offering Maximum Money MarketTM at 6.75% APY, and Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY 82001A+5.0 ★Texas Ratio: 3.53% offering Momentum Money Market at 6.00% APY. Savings rates as of September 22, 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: September 22, 2026
Balance: $0 - $500
Qualifications Required: 1 direct deposit or ACH credit; 15 debit card purchases; e-statements enrollment; valid email on file; Qualifying balance up to $10,000.00; To qualify for the bonus rate, you must elect to receive e-statements and have a valid email on file with us, you must receive $1,000 or more in direct deposit(s) AND 15 Point of Sale debit or credit card transactions* posted to your account each month as reflected on your monthly periodic account and/or billing statement(s). *Eligible credit card transactions will apply to only one (1) Bonus Checking or Bonus Plus Checking account; the default application is to the oldest Bonus Checking or Checking Plus Account. Eligible credit card transactions are determined by the posting date of the transaction; transactions must be posted to the Credit Account in the same month in which the bonus rate or waiver is being applied.
WSJP 6.75 % - Current WSJP effective as of December 10, 2025. Variable dividend rate is adjusted on the first day of each month following a change in the index.
Balance: $0.00 - $2,000.00
Balance: $100
Balance: $0.00 - 24,999.99
Balance: $0-750
Balance: up to $2,500
Qualifications Required: 40 or more transactions per month; enrolled in e-statements; Tier 3: Accounts with 40 or more transactions per month and e-statements. Balances $10,001 and above will earn .05% APY.
No additional details available.
Balance: Up to $7,500
Rates effective as of 8/25/2026. earn 5% promotional rate for the lowest tier for 90 days.
Balance: Up to $2,499.99; 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.
Balance: $5,000.01 - 50,000.00
Balance: >$750,000
Today's Rate - Valid 09/22/2026. If the average daily balance falls below $2,500, the account will be charged $10.00, monthly.
Balance: $500,000 - $749,999.99
APY is a variable rate. Fees may reduce earnings. To earn dividends and: (1) an active checking account at RCU. To be considered active, checking account must have a minimum of 3 transactions per month (excluding 24-Hour Telephone Teller, fee or dividend posting transactions); (2) a minimum monthly digital deposit of $500 or more into account; (3) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity 10 transactions or $500 or more in advances; and (4) an open loan at RCU in good standing, an investment account through Redwood Wealth Management with a minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services .
Balance: $5,000,000.00 and above
Limited-time offer
No additional details available.
Annual Percentage Yield of 4.07% is accurate as of October 1, 2023. The APY may change after the account is opened. 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
Balance: $3,000,000 - Above
Earn up to 4.03% APY. 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. To receive the stated APY, the primary member must have at least one checking account and it must be in good standing, be enrolled in Interra Online Banking and elect to receive e-Statements.
Balance: $3,000,000.00+
Balance: $3,000,000.00+
Balance: $1,000,000.00 and over
Balance: $100,000.00
Balance: $250,000.00
Qualifications Required: recurring monthly $500 Direct Deposit; Balance: $200,000 + with recurring monthly $500 Direct Deposit
Balance: $2,500.01 - $5,000
APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. 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. Federally insured by NCUA.
Balance: $500,000.00 & Greater; 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. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
Rates accurate as of 11/1/24. 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. Rates are variable and subject to change without notice.
Balance: $500,000.00 & Greater; 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.
Balance: $1,000,000.00 +
Funds greater than $25,000 guaranteed through December 31st, 2026; Monthly daily balance - $2,000; No transaction fees; Online and mobile banking with online statements; Minimum qualifying balance required to open and maintain this special 4.00% APY is $25,000 and the maximum balance may not exceed $250,000. After December 31st, 2026, the rate will default to the posted money market rate at that time. The APY will be based upon your account balance. Har-co Business Advantage Money Market is available to members who open or maintain a Business Savings Account.
Balance: $0 - $1,000.00
Balance: $400,000 and greater
Published APY range: 4.00% to 3.25%. Balance: $5,000.00 - $9,999.99; 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.
For a limited time: earn 4.00% APY* with our High Yield Money Market. 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. Membership Required. All accounts are subject to approval. Certain restrictions may apply. Federally insured by NCUA. 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. Traditional and Roth IRA rates are variable and subject to change. Share Certificates earn dividends. Certificate minimum opening deposit of $500. Early withdrawal penalties may apply. Early withdrawals, fees, and other conditions could reduce the earnings on the account. Certain restrictions may apply. Subject to approval. $100 minimum opening deposit. Limit one (1) Launch Money Market per member. Consult your tax advisor about IRA eligibility, contributions, qualifications, and early withdrawal penalties. The Annual Percentage Yield will be calculated by applying one or more dividend rates to multiple balance ranges as set forth above. The dividend rate for each balance range will apply to your account balance within each particular deposit balance range and not the entire account balance. When children turn 18, Super Saver accounts will convert to Regular Savings accounts. The Super Saver Account is subject to the same withdrawal and transfer limitations as the Regular Share Account. There is a limit of one (1) Super Saver Account per primary Member. Tiered balances earn tiered rates. Rates shown are based on Relationship Rates which have the following eligibility requirements: 1. Have a qualifying open Vantage West consumer checking account, 2. Have a total monthly direct deposit of at least $750/month to accounts under the same Membership account 3. Keep an aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Accounts that do not meet the eligibility requirements receive a lower APY. Relationship Rates, conditions, and benefits are subject to change without notice. Business Accounts and IRA CDs are not eligible for Relationship Rates.
Rates are subject to change by the Board of Directors. Any fees incurred could reduce the earnings on the account. Penalties may be imposed for early withdrawal of certificate. Rates Effective as of 01/05/2026
Balance: up to $2,000.00; Blended APY range calculated on balances up to $1 million in this tier.
Balance: $0.01 - $2,000; Compounding: Monthly
Balance: $7,500,000+
Qualifications Required: Average daily balance of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $1,000,000 +; Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: $10,000 or more
Balance: $1,000,000 and up
Earn 4.00% APY* on your first $2,000.
Balance: $0.00 - $2,000
No additional details available.
Balance: $500,000.00 or greater
Up to 4.00% APY with tiered rates; No minimum balance required; Up to 3 withdrawals a month.
Balance: $0
Balance: $250,000-$499,999.99
Balance: 1,000,000 and Up
Balance: $1,000,000.00; New money is defined as funds not currently on deposit with RadiFi Credit Union. Please see the Truth-in-Savings Disclosure for complete disclosures of this account.
Balance: $250,000 & above
Balance: $0 - $9,999
Balance: $1,000,000.00 and over
For a limited time, open a Money Market Special account and enjoy up to 4.00% APY1 for the first six months.
Balance: $1,000,000 and over
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
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
Balance: $500,000 and over
Balance: $250,000.01 or greater; Balance: $250,000.01 or greater
Balance: $0 -$1,000
Balance: $0 - $500.00; Rates are variable and may change after the account is opened.
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $1,000,000+
Balance: $1,000,000.00+
Balance: $2,000,000 and over
With Active Checking*
No additional details available.
Balance: $1,000,000.00+
Balance: $1,000,000+; Compound: Monthly
Balance: $1,000,000+; Compound: Monthly
Balance: $1,00,000.00; Monthly Fee: $10
Balance: $500,000+
Balance: $750,000 - $1,999,999.99
Balance: $1,000,000.00+
With Active Checking*
Balance: $250,000.00 and Over
Balance: $1,000,000+
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); Balance: $250,000 OR MORE
Balance: $1,000,000 and above
Balance: $15,000 and Above
Balance: $1,000,000+
Balance: $1,000,000 - $2,999,999
Balance: Up to $49,999.99
Balance: $500,000+
Balance: $100,000 +
Balance: $100,000 +
As High As;
Balance: $150,000 and over
Balance: $500,000 - $999,999
Monthly Paid
Balance: $750,000-$999,999.99; Compound: Monthly
Monthly Paid
No additional details available.
Balance: $750,000-$999,999.99; Compound: Monthly
Balance: $1,000,000.00-$2,999,999.99
Balance: $1,000,000.00-$2,999,999.99
Balance: $50,000.00
Balance: $0 OR MORE
Balance: $50 to $2,500
Balance: $100,000 +
Balance: $249,999.01 - $9,999,999.00
Balance: $100,000 or more
Balance: $2,499,999.01 - $9,999,999
Balance: $500,000.00 - $999,999.99
Tier minimum Average Daily Balance of $10,000.00 - $149,499.99 = 2.25% APY; $150,000.00 - $349,999.99 = 2.85% APY; $350,000.00 - $499,999.99 = 3.00% APY; $500,000.00 and up = 3.75% APY. $10.00 monthly fee if $10,000 balance is not maintained. Interest will not be earned if balance drops below $10,000. Fees may reduce earnings. Contact Heritage for details. Government Regulation D permits only 6 pre-authorized or electronic withdrawals, including checks from a savings or money market account per monthly cycle.
Balance: $1,000,000 or more
Balance: $250,000 - $499,999
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $1,000,000+; If qualifications are met:
Balance: $2,000,000 - $7,499,999
Qualifications Required: Average daily balance of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $500,000 - $999,999; Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: above - $999,999.99
Balance: $100,000-$249,999.99
Balance: $1,000,000.00 and over
Balance: $500,000.00; Monthly Fee: $10
Balance: $100,000 - $249,999.99
Balance: $1,000,000.00 and over
Balance: $500,000+
Balance: $1,000,000.00 and over
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); Balance: $50,000-$249,999.99
Balance: $1,000,000 and up
Balance: $1,000,000.00 and over
Balance: $75,000 - $149,999.99
Balance: $0 TO $1,000
Balance: $0 TO $1,000
Balance: $500,000-$749,999.99; Compound: Monthly
Interest Paid: Monthly
Balance: $500,000-$749,999.99; Compound: Monthly
Balance: $500,000 - $749,999.99
With Active Checking*
Balance: $1,000,000 +
Balance: $1,000,000+
Dividend Distribution: Monthly
Balance: $13,000,000.01 - & Over*
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: All IRA Funds
Balance: All Funds Over $20,000.00
Matches 6 Month CD APY
Balance: $100,000.01 or >
On balance above $350,000
Balance: $350,000 or more
Balance: $20,000 & Up
Balance: $5,000,000.00 AND OVER
Balance: $5,000,000 AND OVER
No additional details available.
Balance: $50,000
Balance: $1,000.01 to $5,000.00
No additional details available.
No additional details available.
Balance: $4,500,000.01 - & 13,000,000.00*
Balance: $250,000.00 to $499,999.99
Balance: $75,000-$99,999
Balance: $75,000-$99,999
Balance: $250,000 - higher; Compounding: Monthly
$1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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.
Community High Yield Money Market for consumer and business accounts. Earn 3.75% Annual Percentage Yield for new money only. Transaction limitations apply, per Regulation D - no more than six (6) transfers or withdrawals per calendar month or statement cycle can be conducted. Dividends are compounded and paid monthly. Refer to CCU's Fee Schedule and Account Product Disclosures for additional account requirements to earn interest. Fees may reduce earnings.
Balance: $250,000.00 to $499,999.99
Balance: $500,000 - $999,999
Balance: $75,000 or more
Balance: >$250,000.00
Balance: $500,000.00-$999,999.99
Balance: $50,000 - $74,999.99
Balance: $500,000.00-$999,999.99
No additional details available.
Balance: $50,000 or more
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $2,500,000.01 - $4,500,000.00*
Daily averages from our database of 8,500+ banks and credit unions — updated every evening.
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.
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.
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 1.29% APY Credit union average |
Earned at 8.30% APY Top offer in our table | Difference |
|---|---|---|---|
| $5,000 | $64.67 | $415.00 | $350.33 |
| $10,000 | $129.34 | $830.00 | $700.66 |
| $25,000 | $323.35 | $2,075.00 | $1,751.65 |
| $50,000 | $646.70 | $4,150.00 | $3,503.30 |
| $100,000 | $1,293.40 | $8,300.00 | $7,006.60 |
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.
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.
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.
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.
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.
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.
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.
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 8.30% APY from Create 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.
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.
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.