Best Credit Union Money Market Account Rates — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top credit union money market rates currently available include 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Martinez, CA 94553A+5.0 ★Texas Ratio: 0.24% offering 1st Class Money Market Accounts at 5.39% APY, and Connection Credit UnionConnection Credit Union10200 Silverdale Way NW, Silverdale, WA 98383A5.0 ★Texas Ratio: 8.51% offering Youth Money Market at 5.12% APY, and Noble Federal Credit UnionNoble Federal Credit Union2580 W Shaw Ln, Fresno, CA 93711 2778A+5.0 ★Texas Ratio: 4.22% offering Reverse Money Market at 5.00% APY, and Christian Community Credit UnionChristian Community Credit Union255 N Lone Hill Ave, San Dimas, CA 91773 2308A+5.0 ★Texas Ratio: 3.59% offering Business Savings & Money Market at 5.00% APY. Savings rates as of June 11, 2026 according to verified data from MonitorBankRates.
We evaluate every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — helping you find credit unions that offer both competitive rates and financial stability.
APYs reflect actual verified offers. Rates subject to change. Last Updated: June 11, 2026
Compare the Best Credit Union Money Market Rates Nationwide
Qualifying balance up to $24,999.99
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Qualifying balance up to $2,499.99
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[Learn More](https://www.marinefederalhb.org/home/site/choicemoneymarket)
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Qualifying balance up to $10,000.00
guaranteed through June 2026
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$1,000,000 +
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Balance Tier: $1,000,000 and over
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As High As. Minimum opening deposit for 4.00% is $1,000,000. No monthly maintenance fees or ongoing balance requirements. No minimum withdrawal requirements. Make deposits in any amount at any time. Dividends are compounded daily and paid monthly. APY = Annual Percentage Yield is subject to change without notice. All rates are effective as of 06/03/2026.
with recurring monthly $500 Direct Deposit
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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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Minimum balance to earn interest $5,000.; Member is allowed 3 transactions per month to retain Money Market interest rate.
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No minimum balance.
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Qualifying balance up to $1,000.00
$250,000 - $499,999
Rates are current as of 6/1/2026, and subject to change at any time without notice. All deposits made to the Tidal Wave Money Market Account must be new money only. New money is defined as funds not currently on deposit with RadiFi Credit Union.
APY is accurate as of 5/1/2026 and is subject to change without notice. The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 5/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
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$250,000-$499,999.99
as high as
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IRA Money Market Accounts (Traditional and Roth)
APY1
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Qualifying balance up to $1,000,000.00+
IRA Money Market Accounts (Traditional and Roth)
APY1
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Earn up to 3.87% APY *** Learn More
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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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Up to $49,999.99
$250,000; Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Monthly; Minimum balance to receive dividend: $100.00; Balance method: Daily balance
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Qualifications Required; If qualifications are met
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With balance above - $999,999.99
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$100,000-$249,999.99
As High As
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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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New Money
IRA Money Market Accounts (Traditional and Roth)
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APY1
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Money Market Offer: Earn up to 3.60% APY!* For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Money Market Offer: Earn up to 3.60% APY!* For six months when you become a new member and open a Flex Money Market or Business Money Market account!
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On balance above $350,000
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Matches 6 Month CD APY
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as high as
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Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 6/9/2026. 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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>$250,000.00
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Rates & terms available by clicking link.
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. Minimum balance of $50 required to earn dividend. Fees may reduce earnings.
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Variable rate account
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Balance Tier: $500,000 to $999,999
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Dividend Rate with Checking
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Qualifying balance up to $1,000,000.00
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.
$15,000+
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Qualifications Required; If qualifications are met
The Higher the Amount the Higher the Interest Rate.
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APY28
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Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; High Yield Checking account required. 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. 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.
With balance between $250,000.00 - $999,999.99
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)
Accounts with $100,000.00 or greater will earn 3.50% APY* during the promotion and 2.05% APY after the promotion.
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IRA Money Market Accounts (Traditional and Roth)
Tiered rates that reward higher balances
$500
APY1
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Rates are current as of 6/1/2026, and subject to change at any time without notice. All deposits made to the Tidal Wave Money Market Account must be new money only. New money is defined as funds not currently on deposit with RadiFi Credit Union.
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Invest in your future with up to 3.50% APY.1 Saving should be effortless. With a Money Market account, it is.
Tiered rate that will increase or decrease based on account balance. Dividends are compounded monthly. Withdraw of earnings could reduce APY. APY is accurate as of the last dividend declaration date effective 6/1/2026. Restrictions do apply. Public funds and financial institutions are not eligible for these rates. APY is accurate as of the last dividend declaration date. Please call for details.
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Qualifying Bump Rate
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Qualifying balance up to $999,999.99
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APY is accurate as of 02.01.26. Additional balance requirements and APY tiers are outlined in the rate table. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Limit one account per member. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
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?
- 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - Connection Credit Union
Youth Money Market — 5.12% APY - Noble Federal Credit Union
Reverse Money Market — 5.00% APY - Christian Community Credit Union
Business Savings & Money Market — 5.00% APY - EastRise Credit Union
Essential Money Market — 4.50% APY
More Money Market Rate Options
