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Money Market Rate Trends

Best Credit Union Money Market Account Rates — September 2026

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

Compare the Best Credit Union Money Market Rates

State:
Source: Verified Rate Data by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union of The Rockies
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Giddy Up Money Market
$0
52.80%
Rate43.15%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0 - $500

Create Credit Union
A+5.0 ★Texas Ratio: 2.26%
1425 E WINDMILL LN, LAS VEGAS, NV 89123 1901
Consumer Money Market
$0
8.30%
Rate8.00%
Min Deposit$0
UpdatedSep 22, 2026
Details

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.

Members Choice Credit Union
A+5.0 ★Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX 77094 1395
Maximum Money MarketTM
$0
6.75%
Rate6.75%
Min Deposit$0
UpdatedSep 22, 2026
Details

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.

Meridian Trust Federal Credit Union
A+5.0 ★Texas Ratio: 3.53%
2223 Warren Ave, Cheyenne, WY 82001
Momentum Money Market
$0
6.00%
Rate5.84%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $0.00 - $2,000.00

Noble Federal Credit Union
A+5.0 ★Texas Ratio: 3.85%
2580 W Shaw Ln, Fresno, CA 93711 2778
Reverse Money Market
$0
6.00%
Rate5.85%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $100

1st Northern California Credit Union
A+5.0 ★Texas Ratio: 0.14%
1111 Pine St, Martinez, CA 94553
1st Class Money Market Accounts
$0
5.39%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0.00 - 24,999.99

Connection Credit Union
A5.0 ★Texas Ratio: 7.94%
10200 Silverdale Way NW, Silverdale, WA 98383
Youth Money Market
$1
5.12%
Rate5.00%
Min Deposit$1
UpdatedSep 22, 2026
Details

Balance: $0-750

Max Credit Union
A+5.0 ★Texas Ratio: 2.31%
2309 Cobbs Ford Rd, Prattville, AL 36066
Elevate Money Market Account - Reverse Money Market
$0
5.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: up to $2,500

Great Lakes Credit Union
A5.0 ★Texas Ratio: 6.33%
2525 Green Bay Rd, North Chicago, IL 60064
Money Market Account
$0
5.00%
Rate
Min Deposit$0
UpdatedSep 21, 2026
Details

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.

Capitol Credit Union
A+5.0 ★Texas Ratio: 0.95%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market Capitol Account
$0
5.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

No additional details available.

BluCurrent Credit Union
A+5.0 ★Texas Ratio: 3.18%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
Premium Coverage Money Markets
$0
5.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: Up to $7,500

Century Federal Credit Union
A+5.0 ★Texas Ratio: 3.70%
28251 Lorain Rd, North Olmsted, OH 44070
Money Market Innovator
$100
5.00%
Rate
Min Deposit$100
UpdatedSep 18, 2026
Details

Rates effective as of 8/25/2026. earn 5% promotional rate for the lowest tier for 90 days.

EastRise Credit Union
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
Essential Money Market Account
$1,000
4.50%
Rate
Min Deposit$1,000
UpdatedSep 21, 2026
Details

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.

Members Preferred Credit Union
A+5.0 ★Texas Ratio: 3.54%
1515 Hoopes Ave, Idaho Falls, ID 83404
MONEY MARKET DRAFT S25
$0
4.50%
Rate4.50%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $5,000.01 - 50,000.00

Community First Credit Union Of Florida
A+5.0 ★Texas Ratio: 3.16%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
$0
4.50%
Rate4.41%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: >$750,000

Americas Christian Credit Union
A5.0 ★Texas Ratio: 8.48%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
Corporate Money Market
$2,500
4.40%
Rate
Min Deposit$2,500
UpdatedSep 22, 2026
Details

Today's Rate - Valid 09/22/2026. If the average daily balance falls below $2,500, the account will be charged $10.00, monthly.

Community First Credit Union Of Florida
A+5.0 ★Texas Ratio: 3.16%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
$0
4.25%
Rate4.17%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000 - $749,999.99

Redwood Credit Union
A+5.0 ★Texas Ratio: 3.94%
2763 4th St, Santa Rosa, CA 95405 4726
Premier Money Market
$0
4.15%
Rate
Min Deposit$0
UpdatedSep 21, 2026
Details

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 .

Community Choice Credit Union
A5.0 ★Texas Ratio: 6.16%
31155 Northwestern Hwy, Farmington Hills, MI 48334 2502
Business Money Market
$0
4.10%
Rate4.03%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $5,000,000.00 and above

Clearpath Federal Credit Union
A+5.0 ★Texas Ratio: 3.23%
340 Arden Ave, Glendale, CA 91203
Money Market Special
$0
4.07%
Rate
Min Deposit$0
UpdatedSep 18, 2026
Details

Limited-time offer

Clearpath Federal Credit Union
A+5.0 ★Texas Ratio: 3.23%
340 Arden Ave, Glendale, CA 91203
Signature Money Market
$0
4.07%
Rate
Min Deposit$0
UpdatedSep 18, 2026
Details

No additional details available.

Founders Federal Credit Union
A+5.0 ★Texas Ratio: 3.68%
607 N Main St, Lancaster, SC 29720
Money Market Plus
$0
4.07%
Rate
Min Deposit$0
UpdatedSep 21, 2026
Details

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

Hoosier Hills Credit Union
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
High Yield Money Market
$0
4.05%
Rate3.98%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $3,000,000 - Above

Interra Credit Union
A+5.0 ★Texas Ratio: 1.45%
300 W Lincoln Ave, Goshen, IN 46526
Business LINked Money Market Share Account
$10,000
4.03%
Rate
Min Deposit$10,000
UpdatedSep 22, 2026
Details

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.

Interra Credit Union
A+5.0 ★Texas Ratio: 1.45%
300 W Lincoln Ave, Goshen, IN 46526
Business LINked Money Market Share Account (Business LINked MMSA)
$10,000
4.03%
Rate
Min Deposit$10,000
UpdatedSep 22, 2026
Details

Balance: $3,000,000.00+

Interra Credit Union
A+5.0 ★Texas Ratio: 1.45%
300 W Lincoln Ave, Goshen, IN 46526
LINked Money Market Share Account
$10,000
4.03%
Rate
Min Deposit$10,000
UpdatedSep 22, 2026
Details

Balance: $3,000,000.00+

Cyprus Federal Credit Union
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
Business Sweep Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000.00 and over

Kohler Credit Union
A+5.0 ★Texas Ratio: 2.22%
850 Woodlake Rd, Kohler, WI 53044 1323
Flex Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $100,000.00

Commodore Perry Federal Credit Union
A+5.0 ★Texas Ratio: 1.50%
1711 W FREMONT RD, PORT CLINTON, OH 43452
Flagship Money Market Account
$0
4.00%
Rate4.00%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $250,000.00

Beacon Financial Credit Union
A5.0 ★Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN 37604
DO MORE Money Market Account
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Qualifications Required: recurring monthly $500 Direct Deposit; Balance: $200,000 + with recurring monthly $500 Direct Deposit

Max Credit Union
A+5.0 ★Texas Ratio: 2.31%
2309 Cobbs Ford Rd, Prattville, AL 36066
Elevate Money Market Account - Reverse Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $2,500.01 - $5,000

First Commerce Credit Union
A+5.0 ★Texas Ratio: 3.72%
2330 Mahan Dr, Tallahassee, FL 32308
Momentum Money Market
$2,500
4.00%
Rate3.93%
Min Deposit$2,500
UpdatedSep 22, 2026
Details

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.

Beacon Credit Union Incorporated
A+5.0 ★Texas Ratio: 1.29%
6320 Logans Ln, Lynchburg, VA 24502
Business Premier Money Market
$100
4.00%
Rate3.93%
Min Deposit$100
UpdatedSep 22, 2026
Details

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.

Honor Credit Union
A+5.0 ★Texas Ratio: 4.83%
8952 US Highway 31, Berrien Springs, MI 49103
Surge Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

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.

Beacon Credit Union Incorporated
A+5.0 ★Texas Ratio: 1.29%
6320 Logans Ln, Lynchburg, VA 24502
Premier Money Market
$100
4.00%
Rate3.93%
Min Deposit$100
UpdatedSep 22, 2026
Details

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.

Cent Credit Union
A+5.0 ★Texas Ratio: 1.71%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000.00 +

Har-co Credit Union
A+5.0 ★Texas Ratio: 3.63%
30 N Hickory Ave, Bel Air, MD 21014 3249
Business Advantage Money Market
$2,000
4.00%
Rate
Min Deposit$2,000
UpdatedSep 22, 2026
Details

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.

Vantage West Credit Union
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
About Launch Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0 - $1,000.00

Service One Credit Union
A5.0 ★Texas Ratio: 6.25%
1609 Campbell Ln, Bowling Green, KY 42104
Premium Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $400,000 and greater

EastRise Credit Union
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
Essential Money Market Account
$1,000
4.00%
Rate
Min Deposit$1,000
UpdatedSep 21, 2026
Details

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.

Vantage West Credit Union
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
High Yield Money Market
$10,000
4.00%
Rate
Min Deposit$10,000
UpdatedSep 22, 2026
Details

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.

PrimeTrust Financial Federal Credit Union
A+5.0 ★Texas Ratio: 2.44%
3700 W Bethel Ave, Muncie, IN 47304
money market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 14, 2026
Details

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

University of Virginia Community Credit Union
A+5.0 ★Texas Ratio: 4.02%
1018 W Main St, Charlottesville, VA 22903 2820
MaxSaver Money Market
$5
4.00%
Rate4.00%
Min Deposit$5
UpdatedSep 22, 2026
Details

Balance: up to $2,000.00; Blended APY range calculated on balances up to $1 million in this tier.

University of Virginia Community Credit Union
A+5.0 ★Texas Ratio: 4.02%
1018 W Main St, Charlottesville, VA 22903 2820
MaxSaver Money Market Accounts
$0
4.00%
Rate3.95%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0.01 - $2,000; Compounding: Monthly

Dort Financial Credit Union
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
Business Public Funds Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $7,500,000+

Chartway Credit Union
A5.0 ★Texas Ratio: 10.46%
5700 Cleveland St, Virginia Beach, VA 23462 1752
Money Market Plus
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 18, 2026
Details

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.

Blue Coast Federal Credit Union
A+5.0 ★Texas Ratio: 0.72%
1825 S Jefferson St, Perry, FL 32348 5614
Business Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $10,000 or more

1st Advantage Federal Credit Union
A+5.0 ★Texas Ratio: 1.85%
224 Commons Way, Williamsburg, VA 23185
Business Performance Plus Money Market Account
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $1,000,000 and up

Premier Members Credit Union
A+5.0 ★Texas Ratio: 3.43%
5505 Arapahoe Ave, Boulder, CO 80303
Money market accounts
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Earn 4.00% APY* on your first $2,000.

Premier Members Credit Union
A+5.0 ★Texas Ratio: 3.43%
5505 Arapahoe Ave, Boulder, CO 80303
Money Market Including Business and IRA
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0.00 - $2,000

RadiFi Credit Union
A+5.0 ★Texas Ratio: 3.50%
562 Park St, Jacksonville, FL 32204 2918
Jumbo Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 18, 2026
Details

No additional details available.

Seven Seventeen Credit Union
A+5.0 ★Texas Ratio: 5.92%
3181 Larchmont Ave NE, Warren, OH 44483 2435
High-Yield Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000.00 or greater

UFirst Federal Credit Union
A+5.0 ★Texas Ratio: 3.58%
274 Rugar St, Plattsburgh, NY 12901
High-Yield Money Market Account
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 21, 2026
Details

Up to 4.00% APY with tiered rates; No minimum balance required; Up to 3 withdrawals a month.

Premier Members Credit Union
A+5.0 ★Texas Ratio: 3.43%
5505 Arapahoe Ave, Boulder, CO 80303
Reverse Tiered Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0

WeStreet Federal Credit Union
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
Business Money Market
$2,500
4.00%
Rate3.94%
Min Deposit$2,500
UpdatedSep 21, 2026
Details

Balance: $250,000-$499,999.99

1st Advantage Federal Credit Union
A+5.0 ★Texas Ratio: 1.85%
224 Commons Way, Williamsburg, VA 23185
Performance Plus Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: 1,000,000 and Up

RadiFi Credit Union
A+5.0 ★Texas Ratio: 3.50%
562 Park St, Jacksonville, FL 32204 2918
Tidal Wave Money Market Account
$2,500
4.00%
Rate3.93%
Min Deposit$2,500
UpdatedSep 18, 2026
Details

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.

Acclaim Federal Credit Union
A+5.0 ★Texas Ratio: 1.24%
1823 Banking St, Greensboro, NC 27408
Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $250,000 & above

Granite Federal Credit Union
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
Business Builder Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $0 - $9,999

Nebo Credit Union730 E 300 S, Springville, UT 84663
Business Sweep Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000.00 and over

United Federal Credit Union
A+5.0 ★Texas Ratio: 3.23%
808 E Front St, Buchanan, MI 49107 1444
Money Market Special
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 18, 2026
Details

For a limited time, open a Money Market Special account and enjoy up to 4.00% APY1 for the first six months.

Apple Federal Credit Union
A+5.0 ★Texas Ratio: 2.61%
14260J Centreville Sq, Centreville, VA 20121
Commercial Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 18, 2026
Details

Balance: $1,000,000 and over

Community First Credit Union Of Florida
A+5.0 ★Texas Ratio: 3.16%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $250,000 - $499,999.99

Unitus Community Credit Union
A+5.0 ★Texas Ratio: 2.83%
1300 SW 6th Ave, Portland, OR 97201 3464
Money Market Account (Business)
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $250,000 - $499,999.99

Apple Federal Credit Union
A+5.0 ★Texas Ratio: 2.61%
14260J Centreville Sq, Centreville, VA 20121
Money Market
$1,000,000
4.00%
Rate
Min Deposit$1,000,000
UpdatedSep 18, 2026
Details

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

Pima Federal Credit Union
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Business Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $500,000 and over

Inova Federal Credit Union
A5.0 ★Texas Ratio: 9.29%
358 S Elkhart Ave, Elkhart, IN 46516
Shield Money Market
$0
4.00%
Rate3.93%
Min Deposit$0
UpdatedSep 18, 2026
Details

Balance: $250,000.01 or greater; Balance: $250,000.01 or greater

Nuvision Federal Credit Union
A+5.0 ★Texas Ratio: 2.84%
7812 Edinger Ave, Huntington Beach, CA 92647
Advantage Choice Money Market
$1,000
4.00%
Rate3.93%
Min Deposit$1,000
UpdatedSep 18, 2026
Details

Balance: $0 -$1,000

Members First Credit Union Midland, MI
A+5.0 ★Texas Ratio: 4.62%
600 W Wackerly St, Midland, MI 48640 4702
Money Market Account
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0 - $500.00; Rates are variable and may change after the account is opened.

Pima Federal Credit Union
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Money Market Accounts
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $500,000 and over

Pima Federal Credit Union
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Money Market Savings Account
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $500,000 and over

Pima Federal Credit Union
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Non-Profit Money Market
$0
4.00%
Rate
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $500,000 and over

Shoreline Credit Union
A+5.0 ★Texas Ratio: 3.11%
3131 Mishicot Rd, Two Rivers, WI 54241
Elite Money Market
$0
3.99%
Rate3.93%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000+

SRI Federal Credit Union
A+5.0 ★Texas Ratio: 1.87%
333 RAVENSWOOD AVE, MENLO PARK, CA 94025
Money Market
$0
3.95%
Rate
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000.00+

Community First Credit Union
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
Member's Choice IRA Money Market (with active checking )
$0
3.95%
Rate3.88%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $2,000,000 and over

Community First Credit Union
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
Member's Choice Money Market
$0
3.95%
Rate3.88%
Min Deposit$0
UpdatedSep 22, 2026
Details

With Active Checking*

Utah First Federal Credit Union
A+5.0 ★Texas Ratio: 1.27%
200 E South Temple, Salt Lake City, UT 84111
Money Market
$0
3.90%
Rate
Min Deposit$0
UpdatedSep 14, 2026
Details

No additional details available.

America First Federal Credit Union
A5.0 ★Texas Ratio: 7.35%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
Money Market
$0
3.90%
Rate3.83%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000.00+

Capital Credit Union
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
Money MarketPlatinum Select
$0
3.90%
Rate3.83%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000+; Compound: Monthly

Capital Credit Union
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
Open My Money Market
$0
3.90%
Rate3.83%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000+; Compound: Monthly

Granite Federal Credit Union
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
Business Money Market Checking
$0
3.90%
Rate3.83%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,00,000.00; Monthly Fee: $10

TruChoice Federal Credit Union
A5.0 ★Texas Ratio: 6.32%
272 PARK AVE, PORTLAND, ME 04102 2912
Money Market Accounts
$2,500
3.90%
Rate3.83%
Min Deposit$2,500
UpdatedSep 20, 2026
Details

Balance: $500,000+

Community First Credit Union
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
Member's Choice IRA Money Market (with active checking )
$0
3.90%
Rate3.83%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $750,000 - $1,999,999.99

LMCU Lake Michigan Credit Union
A+5.0 ★Texas Ratio: 2.85%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
Max Money Market
$0
3.90%
Rate3.83%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000.00+

Community First Credit Union
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
Member's Choice Money Market
$0
3.90%
Rate3.83%
Min Deposit$0
UpdatedSep 22, 2026
Details

With Active Checking*

Indianhead Credit Union
A+5.0 ★Texas Ratio: 2.97%
104 E MAPLE ST, SPOONER, WI 54801 1482
Money Market Account
$0
3.87%
Rate3.80%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $250,000.00 and Over

Deseret First Federal Credit Union
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts
$0
3.85%
Rate3.78%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000+

Travis Credit Union
A+5.0 ★Texas Ratio: 4.40%
659 Skymaster Cir, Travis AFB, CA 94535
Diamond Money Market
$100
3.85%
Rate3.78%
Min Deposit$100
UpdatedSep 22, 2026
Details

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

Education 1st Credit Union
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
Money Market Account
$0
3.85%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000 and above

Workers Federal Credit Union
A5.0 ★Texas Ratio: 7.66%
815 Main St, Fitchburg, MA 01420
Signature Money Market Checking
$0
3.85%
Rate3.78%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $15,000 and Above

Deseret First Federal Credit Union
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
Business Money Market
$0
3.85%
Rate3.78%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000+

Hoosier Hills Credit Union
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
High Yield Money Market
$0
3.85%
Rate3.78%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000 - $2,999,999

First Flight Federal Credit Union
A+5.0 ★Texas Ratio: 4.09%
1815 Kildaire Farm Rd, Cary, NC 27518
Prestige Money Market
$0
3.82%
Rate
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: Up to $49,999.99

Consumers Credit Union
A5.0 ★Texas Ratio: 6.46%
2750 Washington St, Waukegan, IL 60085 4959
Business Money Market
$0
3.82%
Rate3.75%
Min Deposit$0
UpdatedSep 18, 2026
Details

Balance: $500,000+

Assemblies Of God Credit Union
A5.0 ★Texas Ratio: 13.08%
1535 N Campbell Ave, Springfield, MO 65803
Premier Money Market Account
$0
3.81%
Rate3.75%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $100,000 +

Assemblies Of God Credit Union
A5.0 ★Texas Ratio: 13.08%
1535 N Campbell Ave, Springfield, MO 65803
Premier Money Markets
$0
3.81%
Rate3.75%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $100,000 +

Connects Federal Credit Union
C-3.1 ★Texas Ratio: 17.97%
7700 Shrader Rd, Richmond, VA 23228
Money Market
$0
3.81%
Rate
Min Deposit$0
UpdatedSep 18, 2026
Details

As High As;

Capital Area Realtors Federal Credit Union
A-5.0 ★Texas Ratio: 15.35%
15201 Diamondback Dr, Rockville, MD 20850 3312
Money Market
$0
3.81%
Rate3.75%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $150,000 and over

Education 1st Credit Union
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
Money Market Account
$0
3.80%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000 - $999,999

Wasatch Peaks Federal Credit Union
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
Business Money Market
$0
3.80%
Rate3.73%
Min Deposit$0
UpdatedSep 21, 2026
Details

Monthly Paid

Capital Credit Union
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
Money MarketPlatinum Select
$0
3.80%
Rate3.74%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $750,000-$999,999.99; Compound: Monthly

Wasatch Peaks Federal Credit Union
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
Money Market
$0
3.80%
Rate3.73%
Min Deposit$0
UpdatedSep 21, 2026
Details

Monthly Paid

Truliant Federal Credit Union
A+5.0 ★Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC 27012
Accelerate Money Market Special
$25,000
3.80%
Rate3.73%
Min Deposit$25,000
UpdatedSep 18, 2026
Details

No additional details available.

Capital Credit Union
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
Open My Money Market
$0
3.80%
Rate3.74%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $750,000-$999,999.99; Compound: Monthly

Interra Credit Union
A+5.0 ★Texas Ratio: 1.45%
300 W Lincoln Ave, Goshen, IN 46526
Business LINked Money Market Share Account (Business LINked MMSA)
$10,000
3.80%
Rate
Min Deposit$10,000
UpdatedSep 22, 2026
Details

Balance: $1,000,000.00-$2,999,999.99

Interra Credit Union
A+5.0 ★Texas Ratio: 1.45%
300 W Lincoln Ave, Goshen, IN 46526
LINked Money Market Share Account
$10,000
3.80%
Rate
Min Deposit$10,000
UpdatedSep 22, 2026
Details

Balance: $1,000,000.00-$2,999,999.99

Kohler Credit Union
A+5.0 ★Texas Ratio: 2.22%
850 Woodlake Rd, Kohler, WI 53044 1323
Flex Money Market
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $50,000.00

Travis Credit Union
A+5.0 ★Texas Ratio: 4.40%
659 Skymaster Cir, Travis AFB, CA 94535
Business Direct Advantage Money Market
$500
3.75%
Rate3.68%
Min Deposit$500
UpdatedSep 22, 2026
Details

Balance: $0 OR MORE

Everence Federal Credit Union
A+5.0 ★Texas Ratio: 4.19%
2160 Lincoln Hwy E Ste 20, Lancaster, PA 17602
Indexed money market
$0
3.75%
Rate
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $50 to $2,500

Assemblies Of God Credit Union
A5.0 ★Texas Ratio: 13.08%
1535 N Campbell Ave, Springfield, MO 65803
Premier Money Markets
$0
3.75%
Rate3.75%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $100,000 +

Liberty Bay Credit Union
A+5.0 ★Texas Ratio: 0.44%
300 Granite St Fl 3, Braintree, MA 02184 3909
Business Money Market
$5
3.75%
Rate3.68%
Min Deposit$5
UpdatedSep 22, 2026
Details

Balance: $249,999.01 - $9,999,999.00

First Atlantic Federal Credit Union
A+5.0 ★Texas Ratio: 4.17%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $100,000 or more

Liberty Bay Credit Union
A+5.0 ★Texas Ratio: 0.44%
300 Granite St Fl 3, Braintree, MA 02184 3909
High Yield Money Market
$10,000
3.75%
Rate3.68%
Min Deposit$10,000
UpdatedSep 22, 2026
Details

Balance: $2,499,999.01 - $9,999,999

Cent Credit Union
A+5.0 ★Texas Ratio: 1.71%
3124 4th St SW, Mason City, IA 50401 1522
Cheers Money Market
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000.00 - $999,999.99

Heritage Federal Credit Union
A+5.0 ★Texas Ratio: 0.82%
5388 W State Route 66, Newburgh, IN 47630
Business Money Market
$10,000
3.75%
Rate
Min Deposit$10,000
UpdatedSep 21, 2026
Details

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.

Landmark Credit Union WI
A+5.0 ★Texas Ratio: 2.82%
2400 N Grandview Blvd, Waukesha, WI 53188
Open Signature Money Market
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 18, 2026
Details

Balance: $1,000,000 or more

Education 1st Credit Union
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
Money Market Account
$0
3.75%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $250,000 - $499,999

Fox Communities Credit Union
A+5.0 ★Texas Ratio: 1.59%
3401 E Calumet St, Appleton, WI 54915 4757
Fox Rewards Money Market
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 22, 2026
Details

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:

Dort Financial Credit Union
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
Business Public Funds Money Market
$0
3.75%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $2,000,000 - $7,499,999

Chartway Credit Union
A5.0 ★Texas Ratio: 10.46%
5700 Cleveland St, Virginia Beach, VA 23462 1752
Money Market Plus
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 18, 2026
Details

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.

Workmens Circle Incorporated Credit Union
A+5.0 ★Texas Ratio: 0.00%
527 Stephenson Ave, Savannah, GA 31405 5922
Share/IRA Money Market/Platinum Plus
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: above - $999,999.99

WeStreet Federal Credit Union
A5.0 ★Texas Ratio: 9.87%
9323 E 21st St, Tulsa, OK 74129 1400
Business Money Market
$2,500
3.75%
Rate3.70%
Min Deposit$2,500
UpdatedSep 21, 2026
Details

Balance: $100,000-$249,999.99

Nebo Credit Union730 E 300 S, Springville, UT 84663
Business Money Market
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000.00 and over

Granite Federal Credit Union
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
Business Money Market Checking
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $500,000.00; Monthly Fee: $10

Community First Credit Union Of Florida
A+5.0 ★Texas Ratio: 3.16%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $100,000 - $249,999.99

Cyprus Federal Credit Union
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
Business Money Market
$0
3.75%
Rate3.69%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000.00 and over

University of Kentucky Federal Credit Union
A5.0 ★Texas Ratio: 6.36%
2557 Sir Barton Way, Lexington, KY 40509
Business Money Market Account
$0
3.74%
Rate3.68%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $500,000+

Cyprus Federal Credit Union
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
Money Market
$0
3.70%
Rate3.64%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000.00 and over

Travis Credit Union
A+5.0 ★Texas Ratio: 4.40%
659 Skymaster Cir, Travis AFB, CA 94535
Diamond Money Market
$100
3.70%
Rate3.63%
Min Deposit$100
UpdatedSep 22, 2026
Details

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

Dfcu Financial Credit Union
A+5.0 ★Texas Ratio: 1.10%
400 Town Center Dr, Dearborn, MI 48126
Premier Money Market
$0
3.70%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000 and up

Nebo Credit Union730 E 300 S, Springville, UT 84663
Money Market
$0
3.70%
Rate3.64%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $1,000,000.00 and over

Capital Area Realtors Federal Credit Union
A-5.0 ★Texas Ratio: 15.35%
15201 Diamondback Dr, Rockville, MD 20850 3312
Money Market
$0
3.67%
Rate3.62%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $75,000 - $149,999.99

Travis Credit Union
A+5.0 ★Texas Ratio: 4.40%
659 Skymaster Cir, Travis AFB, CA 94535
Jumpstart MMA
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0 TO $1,000

Travis Credit Union
A+5.0 ★Texas Ratio: 4.40%
659 Skymaster Cir, Travis AFB, CA 94535
Jumpstart Money Market
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $0 TO $1,000

Capital Credit Union
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
Money MarketPlatinum Select
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000-$749,999.99; Compound: Monthly

Avadian Credit Union
A+5.0 ★Texas Ratio: 2.98%
15660 Highway 280, Chelsea, AL 35043
New Business Money Market
$0
3.65%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Interest Paid: Monthly

Capital Credit Union
A+5.0 ★Texas Ratio: 4.89%
926 W College Ave, Appleton, WI 54914 5261
Open My Money Market
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000-$749,999.99; Compound: Monthly

Community First Credit Union
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
Member's Choice IRA Money Market (with active checking )
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000 - $749,999.99

Community First Credit Union
A+5.0 ★Texas Ratio: 0.85%
2626 S Oneida St, Appleton, WI 54915 2101
Member's Choice Money Market
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 22, 2026
Details

With Active Checking*

Goldenwest Federal Credit Union
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
Insured Money Market Account
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000,000 +

Partners 1st Federal Credit Union
A+5.0 ★Texas Ratio: 4.04%
6210 W Jefferson Blvd, Fort Wayne, IN 46804 3073
Business Money Market Account
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $1,000,000+

Midwest America Federal Credit Union
A+5.0 ★Texas Ratio: 4.06%
801 E Tillman Rd, Fort Wayne, IN 46816 1971
Business Gold Money Market
$0
3.65%
Rate3.59%
Min Deposit$0
UpdatedSep 22, 2026
Details

Dividend Distribution: Monthly

Nizari Progressive Federal Credit Union
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
$0
3.61%
Rate3.55%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $13,000,000.01 - & Over*

First Atlantic Federal Credit Union
A+5.0 ★Texas Ratio: 4.17%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
$0
3.60%
Rate3.54%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $50,000 - $99,999.99

First Atlantic Federal Credit Union
A+5.0 ★Texas Ratio: 4.17%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
$0
3.60%
Rate3.54%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $50,000 - $99,999.99

Knoxville Teachers Federal Credit Union
A5.0 ★Texas Ratio: 6.72%
711 N Hall of Fame Dr, Knoxville, TN 37917 6722
IRA Money Market Account
$0
3.60%
Rate
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: All IRA Funds

Knoxville Teachers Federal Credit Union
A5.0 ★Texas Ratio: 6.72%
711 N Hall of Fame Dr, Knoxville, TN 37917 6722
Money Market Account
$0
3.60%
Rate
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: All Funds Over $20,000.00

Ascension Credit Union
A+5.0 ★Texas Ratio: 1.17%
2430 S Burnside Ave, Gonzales, LA 70737 4645
Money Market
$0
3.60%
Rate3.57%
Min Deposit$0
UpdatedSep 22, 2026
Details

Matches 6 Month CD APY

SCE Federal Credit Union
A5.0 ★Texas Ratio: 6.34%
12701 Schabarum Ave, Irwindale, CA 91706
High-Yield IRA Money Market Accounts
$0
3.60%
Rate3.54%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $100,000.01 or &gt

Essential Credit Union
A5.0 ★Texas Ratio: 9.00%
21925 Highway 1, Plaquemine, LA 70764 5132
Money Market Accounts
$0
3.60%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

On balance above $350,000

Essential Credit Union
A5.0 ★Texas Ratio: 9.00%
21925 Highway 1, Plaquemine, LA 70764 5132
Money Market Tiers
$0
3.60%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $350,000 or more

Nashville Firemens Credit Union
A+5.0 ★Texas Ratio: 0.40%
908 Woodland St, Nashville, TN 37206
Money Market
$0
3.59%
Rate3.59%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $20,000 & Up

Ascend Federal Credit Union
A+5.0 ★Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN 37388
Traditional Business Money Market
$0
3.56%
Rate3.50%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $5,000,000.00 AND OVER

Ascend Federal Credit Union
A+5.0 ★Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN 37388
Traditional Money Market
$0
3.56%
Rate3.50%
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $5,000,000 AND OVER

Community Credit Union
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
Money Market Account
$0
3.56%
Rate3.50%
Min Deposit$0
UpdatedSep 22, 2026
Details

No additional details available.

EFCU Financial Federal Credit Union
A+5.0 ★Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA 70816 4213
Platinum Money Market Savings
$0
3.56%
Rate
Min Deposit$0
UpdatedSep 20, 2026
Details

Balance: $50,000

Healthcare Employees Federal Credit Union
A+5.0 ★Texas Ratio: 1.33%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Money Market Account
$0
3.56%
Rate3.50%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $1,000.01 to $5,000.00

Northwestern Mutual Credit Union
A+5.0 ★Texas Ratio: 0.18%
720 E Wisconsin Ave, Milwaukee, WI 53202
1500 Club - Money Market
$0
3.56%
Rate3.50%
Min Deposit$0
UpdatedSep 22, 2026
Details

No additional details available.

Your Best Credit Union
A+5.0 ★Texas Ratio: 0.00%
26 Century Blvd, Nashville, TN 37214 3683
Money Market
$0
3.56%
Rate
Min Deposit$0
UpdatedSep 22, 2026
Details

No additional details available.

Nizari Progressive Federal Credit Union
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
$0
3.56%
Rate3.50%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $4,500,000.01 - & 13,000,000.00*

Cyprus Federal Credit Union
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
Business Sweep Money Market
$0
3.55%
Rate3.49%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $250,000.00 to $499,999.99

Assemblies Of God Credit Union
A5.0 ★Texas Ratio: 13.08%
1535 N Campbell Ave, Springfield, MO 65803
Premier Money Market Account
$0
3.55%
Rate3.50%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $75,000-$99,999

Assemblies Of God Credit Union
A5.0 ★Texas Ratio: 13.08%
1535 N Campbell Ave, Springfield, MO 65803
Premier Money Markets
$0
3.55%
Rate3.50%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $75,000-$99,999

Rockland Federal Credit Union
A+5.0 ★Texas Ratio: 2.65%
241 Union St, Rockland, MA 02370
Money Market
$0
3.55%
Rate3.49%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $250,000 - higher; Compounding: Monthly

Mountain America Federal Credit Union
A5.0 ★Texas Ratio: 7.84%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Business Money market
$0
3.55%
Rate3.49%
Min Deposit$0
UpdatedSep 21, 2026
Details

$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 Credit Union Of Lynn1 Andrew St, Lynn, MA 01901 1101
Community High Yield Money Market Account
$10,000
3.55%
Rate3.50%
Min Deposit$10,000
UpdatedSep 22, 2026
Details

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.

Nebo Credit Union730 E 300 S, Springville, UT 84663
Business Sweep Money Market
$0
3.55%
Rate3.49%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $250,000.00 to $499,999.99

Hoosier Hills Credit Union
A5.0 ★Texas Ratio: 6.50%
630 Lincoln Ave, Bedford, IN 47421 2116
High Yield Money Market
$0
3.55%
Rate3.49%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $500,000 - $999,999

Federated Employees Credit Union
A+5.0 ★Texas Ratio: 0.50%
1929 S Cedar Ave, Owatonna, MN 55060 4301
Money Market
$0
3.55%
Rate3.50%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $75,000 or more

Kings Peak Credit Union
B-4.4 ★Texas Ratio: 22.39%
180 N 300 E, Roosevelt, UT 84066
Elevation Climber Money Market
$0
3.55%
Rate3.50%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: >$250,000.00

Interra Credit Union
A+5.0 ★Texas Ratio: 1.45%
300 W Lincoln Ave, Goshen, IN 46526
Business LINked Money Market Share Account (Business LINked MMSA)
$10,000
3.54%
Rate
Min Deposit$10,000
UpdatedSep 22, 2026
Details

Balance: $500,000.00-$999,999.99

Capital Area Realtors Federal Credit Union
A-5.0 ★Texas Ratio: 15.35%
15201 Diamondback Dr, Rockville, MD 20850 3312
Money Market
$0
3.53%
Rate3.50%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $50,000 - $74,999.99

Interra Credit Union
A+5.0 ★Texas Ratio: 1.45%
300 W Lincoln Ave, Goshen, IN 46526
LINked Money Market Share Account
$10,000
3.52%
Rate
Min Deposit$10,000
UpdatedSep 22, 2026
Details

Balance: $500,000.00-$999,999.99

Qualstar Credit Union
A+5.0 ★Texas Ratio: 4.37%
2502 Colby Ave, Everett, WA 98201
Premier Money Market
$1,000
3.51%
Rate3.45%
Min Deposit$1,000
UpdatedSep 22, 2026
Details

No additional details available.

Sun Pacific Federal Credit Union
A+5.0 ★Texas Ratio: 1.43%
2501 S State Highway 121 BUS, Lewisville, TX 75067 4394
Sun Fund Money Market
$0
3.51%
Rate
Min Deposit$0
UpdatedSep 18, 2026
Details

Balance: $50,000 or more

Sacramento Credit Union
A+5.0 ★Texas Ratio: 0.34%
800 H St, Sacramento, CA 95814 2607
MONEY MARKET
$0
3.51%
Rate3.45%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000 and over

Sacramento Credit Union
A+5.0 ★Texas Ratio: 0.34%
800 H St, Sacramento, CA 95814 2607
PREMIUM MONEY MARKET
$0
3.51%
Rate3.45%
Min Deposit$0
UpdatedSep 22, 2026
Details

Balance: $500,000 and over

Nizari Progressive Federal Credit Union
A+5.0 ★Texas Ratio: 1.88%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
$0
3.51%
Rate3.45%
Min Deposit$0
UpdatedSep 21, 2026
Details

Balance: $2,500,000.01 - $4,500,000.00*

Money Market Rate Trends

Daily averages from our database of 8,500+ banks and credit unions — updated every evening.

View Full Money Market Rate Trends →
Credit Union MMA — Avg
1.293%
▲ 0.015 vs 7 days ago
High-Yield MMA — Avg
3.060%
▲ 0.023 vs 7 days ago
Powered by MonitorBankRates

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 1.29% 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.

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.

1

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.

2

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.

3

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.

4

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.

Once you’re in, you’re in for good

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 UnionBank
InsurerNCUA (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 InstitutionIts members — youShareholders
Where Profits GoBack to members as better rates and lower feesTo 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

Thousands of Rates Tracked All 50 States • Updated Daily Banks & Credit Unions

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.

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.

$
$
%
Current Rates — Click to Apply
$0
Balance at the End
Total You Deposit$0
Interest Earned$0
Average Interest per Month$0
Effective Growth on Deposits

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.

Disclaimer: Interest rates are variable and subject to change. Credit union membership eligibility requirements vary. Always verify current terms directly with the institution. Last Updated: September 22, 2026

Frequently Asked Questions about Credit Union Money Market

What is a Credit Union Money Market Account?

A credit union money market account is a deposit account offered by a member-owned, not-for-profit cooperative. Because credit unions return profits to members, their money market rates often exceed those of traditional banks. These accounts are federally insured by the NCUA up to $250,000 per depositor.

Are credit union money market accounts safe?

Yes. Credit unions insured by the National Credit Union Administration (NCUA) provide the same $250,000 per depositor coverage as FDIC-insured banks. MonitorBankRates displays Safety Grades and Texas Ratios for every listed credit union so you can verify institutional health before depositing.

How do I join a credit union?

Membership eligibility varies by credit union. Common qualifications include living or working in a specific geographic area, employment in a certain industry or company, affiliation with a religious or civic organization, or being a family member of an existing member. Many credit unions have broadened eligibility in recent years.

Do credit unions offer better money market rates than banks?

On average, credit unions offer higher savings rates and lower loan rates than traditional banks because they are not-for-profit institutions. However, some online banks and fintech-backed institutions now offer savings rates that rival or exceed credit union rates. Always compare both using the table above.

Can I open a credit union money market account online?

Many credit unions offer fully digital account opening, especially those with broader membership eligibility. Some community credit unions may require an in-person visit or mailed documents. Check the institution's website for details.

What is the difference between a credit union money market and a savings account?

Credit union money market accounts earn dividends (interest) and offer limited check-writing and debit access, similar to bank money market accounts. They differ from savings accounts primarily in offering higher rates with some access to funds. Both are NCUA insured up to $250,000.

What fees do credit unions charge on money market accounts?

Many credit unions charge little to no fees on money market accounts, especially if you maintain a minimum balance. Monthly maintenance fees are less common at credit unions than at banks. Always review the fee schedule before opening to avoid surprises.

What are the best Credit Union Money Market rates right now?

Here are some of the top credit union money market APYs currently available:
  • Credit Union of The Rockies
    Giddy Up Money Market — 52.80% APY
  • Create Credit Union
    Consumer Money Market — 8.30% APY
  • Members Choice Credit Union
    Maximum Money MarketTM — 6.75% APY
  • Meridian Trust Federal Credit Union
    Momentum Money Market — 6.00% APY
  • Noble Federal Credit Union
    Reverse Money Market — 6.00% APY
Select your state above for local rates. Last Updated: September 22, 2026