Best Credit Union Money Market Account Rates — May 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 MCT Credit UnionMCT Credit Union2736 Nall St, Port Neches, TX 77651 5204A+5.0 ★Texas Ratio: 2.43% offering Kasasa Cash* Money Market Account at 5.55% 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 Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit Union12364 Highway 49, Gulfport, MS 39503A5.0 ★Texas Ratio: 6.15% offering Money Markets at 5.00% APY, and Noble Federal Credit UnionNoble Federal Credit Union2580 W Shaw Ln, Fresno, CA 93711 2778A+5.0 ★Texas Ratio: 4.58% offering Reverse Money Market at 5.00% APY. Savings rates as of April 27, 2026 according to verified data from MonitorBankRates.
We compared 6,209 credit union money market rates from 1,220 credit unions across all 50 states to help you find the best credit union money market and share money market account rates.
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: April 27, 2026
Compare the Best Credit Union Money Market Rates Nationwide
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Qualifying balance up to $24,999.99
Qualifying balance up to $25,000.00
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up to
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[Learn More](https://www.marinefederalhb.org/home/site/choicemoneymarket)
Limited-time offer
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Minimum Balance to earn the 4.00% Annual Percentage Yield
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Qualifying balance up to $100,000
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Qualifying balance up to $1,000.00
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recurring monthly $500 Direct Deposit
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$1,000,000
For a limited time, open a Money Market Special account and enjoy up to 4.00% APY for the first six months.
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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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As High As
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Avg Balance up to $10K
$250,000 - $499,999
$250,000 - $499,999
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as high as; Money Market Accounts
Compounded Monthly; Qualifying balance up to $1,000,000.00
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Intro rate expires: 6 months
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Minimum balance to earn interest $5,000. Member is allowed 3 transactions per month to retain Money Market interest rate.
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Monthly Fee: $10
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as high as
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With balance above - $999,999.99
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as high as
Monthly Fee: $10
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New money only
New money only
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$2,500
Only new money qualifies for the Jumpstart Money Market. (New money is defined as funds not currently on deposit with Travis Credit Union)
New Money
Community High Yield Money Market for consumer and business accounts. Earn 3.75% Annual Percentage Yield for new money only. Minimum balance of $10,000 to open.
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On balance above $350,000
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For six months when you become a new member and open a Flex Money Market or Business Money Market account!
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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as high as
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Monthly compounding
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>$250,000.00
>$250,000.00
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Balance $50,000 or more
APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Minimum deposit of $50 required to open a Money Market Savings Account. Fees may reduce earnings.
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With balance between $250,000.00 - $999,999.99
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As High As
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The Higher the Amount the Higher the Interest Rate.
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Maximize your organization's liquid funds with up to 3.50% APY*
Monthly Fee: $10
Qualifying balance up to $1,000,000. APY is accurate as of 12/01/2025. 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.
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$500,000
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Qualifying balance up to $1,000.00
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Qualifications Required: High Yield Checking account required; Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers; Dividend Calculated Daily; Frequency of Compounding Quarterly
$500,000 & up
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$500,000 & up
$5,000,000 And Greater
$500,000 & up
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)
For those who want more from their Money Market Account.
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Aloha Rewards Checking Account Required.
Dividend Rate with Checking
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Qualifying Bump Rate
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Rates increase as balance increases
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Qualifying Bump Rate
Dividend Rate without Checking
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New Deposits Only
National 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 nationwide 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 National 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?
- MCT Credit Union
Kasasa Cash* Money Market Account — 5.55% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - Gulf Coast Community Federal Credit Union
Money Markets — 5.00% APY - Noble Federal Credit Union
Reverse Money Market — 5.00% APY - Max Credit Union
Elevate Money Market Account - Reverse Money Market — 5.00% APY
More Money Market Rate Options
