Best Credit Union Money Market Account Rates — July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Top credit union money market rates currently available include Credit Union of The RockiesCredit Union of The Rockies1010 Johnson Rd Ste 120, Golden, CO 80401 6041A+5.0 ★Texas Ratio: 3.98% offering Giddy Up Money Market at 52.80% APY, and Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY 82001A+5.0 ★Texas Ratio: 3.44% offering Momentum Money Market at 6.00% APY, and 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 BluCurrent Credit UnionBluCurrent Credit Union1770 W SUNSET ST, SPRINGFIELD, MO 65807A+5.0 ★Texas Ratio: 3.56% offering Money Market (Premium Coverage) at 5.00% APY. Savings rates as of July 25, 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: July 25, 2026
Compare the Best Credit Union Money Market Rates
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Qualifying balance up to $7,500.00
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Tier 8; Today's Rate - Valid 07/11/2026; Fees may reduce earnings on share accounts. If your average daily balance falls below $2,500, the account will be charged $10.00, monthly.
High-rate money Market Savings.
As Low As; Rates accurate as of July 15, 2026
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Rates are effective as of 7/15/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
Qualifications Required: Maintain the daily balance of at least $10,000 for a LINked MMSA; Have an Interra Credit Union checking account in good standing; Be enrolled in Online Banking; Enroll in e-Statements and receive e-Statement notices to a valid email address.; Rates effective as of 4/1/26 and subject to change without notice. Tiered rate account. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account.
Qualifications Required: Have at least one checking account and it must be in good standing; Be enrolled in Interra Online Banking; Elect to receive e-Statements.; Rates effective as of 4/1/26 and subject to change without notice. Tiered rate account. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account.
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with recurring monthly $500 Direct Deposit
Minimum Balance to earn the 4.00% Annual Percentage Yield
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New money only. Rates are current as of 7/1/2026, and subject to change at any time without notice.
Guaranteed through June 2026. The 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 June 30th 2026, the rate will default to the posted money market rate at that time. The APY will be based upon your account balance. APY is accurate as of 1/15/2026.
Dividends are determined based on a tiered rate method. This means that the interest rate paid on the entire balance in your money market account will be determined by the tier in which your current balance resides. Dividends are calculated by the daily balance method and credited on the last day of each month. Rates are variable and may change after the account is opened.
Requires a minimum of $250,000 on deposit
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Balance range: $1,000,000 and over
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High Yield Checking restrictions apply
Minimum opening deposit for 4.00% is $1,000,000
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The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 7/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
Beacon's Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
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APY through September 30, 2026
Bring Your Business Money Market to Beacon for 4.00% APY* Today!
LIMITED TIME OFFER. Beacon's Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
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As Low As
Tiered rates; No minimum balance required; Up to 3 withdrawals a month.
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As high as; Special promotional rate.
APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. For additional information on your account please see your Membership & Account Agreement. For additional information about fees please see the Fee Schedule.
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With Active Checking*
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With Active Checking*
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Balance: $1,000,000.00+
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Rates are effective as of 7/15/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
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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Variable
Earn up to 5.12% APY and get low-rate loans with fast local approvals.
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$250,000; Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Monthly; Minimum balance to receive dividend: $100.00; Balance method: Daily balance
Monthly
Monthly
Account Balance: $1,000,000.00-$2,999,999.99
Variable
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Requires a minimum of $75,000 on deposit
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Rates as of 07/16/2026. The rate and Annual Percentage Yield (APY) stated for Share Draft Checking Accounts is declared by the Board of Directors and is subject to change at any time. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
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As High As
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Qualifications Required; Qualifying balance up to $1,000,000.00
Variable
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Member is allowed 3 transactions per month to retain Money Market interest rate.
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Only available for new members; Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
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With Active Checking*
Dividend Distribution: Monthly
Interest Paid: Monthly
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On balance above $350,000
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Requires a minimum of $250,000 on deposit
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Matches 6 Month CD APY
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Rates are effective as of 7/15/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
$1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 7/23/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
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Account Balance: $500,000.00-$999,999.99
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Requires $2,500 to open. Premium Money Market requires $50,000 to open.
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With Checking
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With Checking
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With Active Checking*
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New money only. Rates are current as of 7/1/2026, and subject to change at any time without notice.
Requires a minimum of $75,000 on deposit
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New money only
Balance range: $500,000 to $999,999
New money only
Save more with rates up to 3.50% APY and still have flexible access to your money.
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This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Fees could reduce the earnings on the account.
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Access your funds anytime. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY.
Beacon's Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
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The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY.
The Higher the Amount the Higher the Interest Rate.
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LIMITED TIME OFFER. Beacon's Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
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Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance.; Subject to Change Daily
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Only available for new members; Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; Subject to Change Daily; * High Yield Checking account required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. High Yield Checking qualifiers to earn High Yield dividends: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. The Annual Percentage Yield (APY) for High Yield Money Market is 3.50% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. No dividends are paid for the dividend period if minimum average daily balance qualifier is not met. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account.
Accounts with $100,000.00 or greater will earn 3.50% APY* during the promotion and 2.05% APY after the promotion.
Business Money Market Account
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FOR BALANCES OVER $100,000. Earn dividends on balances over $100,000. No monthly service fee.
APY is accurate as of 12/01/2025. Required minimum balance to open is $500. 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.
Money Market Rate Trends
Daily averages from our database of 8,500+ banks and credit unions — updated every evening.
Why Choose a Credit Union for Your Money Market Account?
Credit unions are member-owned, not-for-profit financial cooperatives. Because they don’t answer to shareholders, they can return earnings to members through higher money market rates, lower loan rates, and minimal fees. Accounts at NCUA-insured credit unions carry the same federal deposit protection as FDIC-insured banks — up to $250,000 per depositor.
Many credit unions have expanded membership eligibility well beyond their original sponsor groups. Checking eligibility is easier than ever: most credit unions allow anyone who lives, works, worships, or attends school in a specific geographic area, or who joins an affiliated organization (sometimes with a small one-time donation), to qualify for membership.
How to Find the Best Credit Union Money Market Rate
Because credit unions are community-based, the best money market rate for you depends on your location and eligibility. Use the state filter above to narrow results to credit unions operating in your area. For each institution, MonitorBankRates displays Safety Grades, Star Ratings, and Texas Ratios so you can weigh institutional health alongside the advertised APY.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate credit union money market rates directly from the official websites of credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and Coast-to-Coast Coverage: Our systems monitor thousands of credit unions across all 50 states. Because credit unions frequently serve specific geographic areas or membership groups, using the state filter is highly recommended to surface the best local options.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update credit union money market rates daily. Every product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: MonitorBankRates evaluates the financial stability of every listed credit union. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective NCUA regulatory data — including the Texas Ratio — ensuring you choose financially secure institutions.
Deposit Account Calculators
Frequently Asked Questions about Credit Union Money Market
What is a Credit Union Money Market Account?
Are credit union money market accounts safe?
How do I join a credit union?
Do credit unions offer better money market rates than banks?
Can I open a credit union money market account online?
What is the difference between a credit union money market and a savings account?
What fees do credit unions charge on money market accounts?
What are the best Credit Union Money Market rates right now?
- Credit Union of The Rockies
Giddy Up Money Market — 52.80% APY - Meridian Trust Federal Credit Union
Momentum Money Market — 6.00% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - BluCurrent Credit Union
Money Market (Premium Coverage) — 5.00% APY - Noble Federal Credit Union
Reverse Money Market — 5.00% APY
More Money Market Rate Options
