Best Credit Union Money Market Account Rates, October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Credit union money market account rates range from 3.60% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Top credit union money market rates currently available include Noble Federal Credit UnionNoble Federal Credit Union2580 W Shaw Ln, Fresno, CA 93711 2778A+5.0 ★Texas Ratio: 4.29% offering Reverse Money Market at 6.00% APY, and Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY 82001A+5.0 ★Texas Ratio: 4.45% offering Momentum Money Market at 6.00% APY, and Northwest Plus Credit UnionNorthwest Plus Credit Union2821 Hewitt Ave, Everett, WA 98201A+5.0 ★Texas Ratio: 3.16% offering Premium Money Market at 5.49% APY, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Martinez, CA 94553A+5.0 ★Texas Ratio: 0.12% offering 1st Class Money Market at 5.39% APY. Savings rates as of October 13, 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: October 13, 2026
Compare the Best Credit Union Money Market Rates
Balance: $100 - $2,500
Balance: $0.00 - $2,000.00
NW Plus Internal Refinance
Balance: $0.00 - 24,999.99
Balance: $0-750
Balance: $0.00 - $2,500.00
Balance: up to $2,500
Balance: $1,000,000.00 and over
- Oct 9, 20265.00%▲ from 4.00%
- Sep 14, 20264.00%first recorded
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 will earn 5.00% APY on balances from $0-$10,000. Balances $10,001 and above will earn .05% APY.
Balance: Under $100,000
Balance: >$750,000
Balance: Up to $2,499.99; Tiered rate account; Limit one per person
Purchase & Refinance
Today's Rate - Valid 10/09/2026; Tier 8; Fees may reduce earnings on share accounts. If your average daily balance falls below $2,500, the account will be charged $10.00, monthly.
From October 1 through December 31, 2026 earn a promotional rate. No monthly fees.
- Oct 10, 20264.35%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $500,000 - $749,999.99
Balance: $500,000.00 - $999,999.99
- Oct 9, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $200,000.00 +
Balance: Under $100,000
Minimum balance of $2,500 to earn dividends and: (1) an active checking account at RCU. To be considered active, checking account must have a minimum of 3 transactions per month (excluding 24-Hour Telephone Teller, fee or dividend posting transactions); (2) a minimum monthly digital deposit of $500 or more into account; (3) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity 10 transactions or $500 or more in advances; and (4) an open loan at RCU in good standing, an investment account through Redwood Wealth Management with a minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services .
Balance: $100,000 and over
Balance: $5,000,000.00 and above
Balance: $500,000+; Dividend Period: Monthly; Effective Date: 10/1/2026
- Oct 5, 20264.07%▲ from 3.74%
- Sep 14, 20263.74%first recorded
Balance: $50,000 - $250,000; Limited Time Special Offer; Rate Type: Variable
Balance: $3,000,000 - Above; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026
Balance: $3,000,000.00+
Balance: $3,000,000.00+
Published APY range: 4.0182% - 4.0000%. Balance: $0.01 - $2,000; Compounding: Monthly; Blended APY range
- Oct 13, 20264.02%▲ from 4.02%
- Sep 18, 20264.02%▼ from 4.02%
- Sep 14, 20264.02%first recorded
Balance: $200,000.00 +
Balance: $250,000 - $499,999.99
Balance: $500,000 and Over
Balance: $400,000 and greater
Promotional high-yield rate. Balances from $1,000 through $100,000 earn a dividend rate of 3.923% , resulting in an APY of 4.00% . Only the portion of a balance exceeding $100,000 earns the AdelFi Savings Account dividend rate, currently 0.10% , resulting in a blended APY for the total account balance. Six free withdrawals per monthly statement cycle. No maintenance fees. Funds deposited into the account must be new money.
Qualifications Required: recurring monthly $500 Direct Deposit; Balance: $200,000 + with recurring monthly $500 Direct Deposit
Balance: $250,000.01 or greater
Balance: $2,500.01 - $5,000
Qualifications Required: Average daily balance (ADB) 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 +; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: $1,000,000.00 and over; Declared, paid and compounded monthly
Balance: $200,000.00 - $499,999.99
- Oct 9, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Published APY range: 4.0000% - 3.3848%. Balance: $2,000.01- $5,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
- Oct 13, 20264.00%▲ from 2.96%
- Oct 9, 20262.96%first recorded
Published APY range: 4.00% to 3.25%. Balance: $5,000.00 - $9,999.99; Tiered rate account; Limit one per person
Current promo rate as high as 4.00% APY* for 6 months. Keep access to funds while enjoying high returns. Let your savings take off. Big balances get even better rates without locking up your funds. Promotion runs from August 1, 2026, to November 30, 2026. 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.
Published APY range: 4.0000% - 3.3848%. Balance: $2,000.01- $5,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/1/2026
- Oct 13, 20264.00%▲ from 2.96%
- Oct 9, 20262.96%▼ from 3.39%
- Sep 22, 20263.39%▲ from 2.96%
- Sep 18, 20262.96%▼ from 4.00%
Published APY range: 4.000% - 3.3848%. Balance: $2,000.01 - $5,000; Compounding: Monthly; Blended APY range
Balance: $0 - $1,000.00
Balance: $10,000 or more; Business Money Market requires a minimum monthly balance of $1,000.00; Dividends calculated using average daily balance method; compounded monthly and credited monthly
Balance: $250,000.00 tier; Effective 9/1/2026
Balance: $50,000+
Annual percentage yield (APY) is accurate as of 9/18/2026. Through December 31st, 2026, the account will earn no less than 4.00% APY. 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 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. Minimum balance of $2,000 required to earn APY and to avoid minimum balance fee.
Balance: $500,000+
Balance: $0.00 - $2,000
Balance: $1,000,000 or more
Balance: $0.00 - $2,000; Dividends paid monthly; Checks available; Limit 1 reverse tiered money market account per primary owner
Balance: $50,000+
Balance: $0 - $100,000.00; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026
Up to 4.00% APY; Blended tiered rate account, each rate applies only to the portion of balance within each tier; higher balances earn a lower APY; One account per membership; Rates accurate as of 11/1/24
Balance: $500,000 and over
Balance: $100,000.00 - $199,999.99
Ride the Wave to Savings - Earn up to 4.00% APY*
Balance: $250,000 and above
Balance: $500,000 and over
Balance: $1,000,000 and over
Balance: $500,000.00 or greater
Balance: $500,000 and over
Balance: $100,000.00 and over; New money required; Introductory rate, expires after April 30, 2027; Checking writing available; Dividend period: Monthly
Balance: $500,000 and over
Balance: above - $999,999.99
- Oct 10, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
No monthly maintenance fees or ongoing balance requirements. No minimum withdrawal requirements. Make deposits in any amount at any time. Dividends are compounded daily and paid monthly.
Balance: $73,000.00 and over
Balance: $500,000.00 & Greater; Limited Time Offer; Tier 6; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Balance: $250,000-$499,999.99; Minimum to earn dividends: $2,500
Balance: $250,000 - $499,999.99
Balance: $500,000.00 and over; Limited Time Offer; Dividends Compounded: Monthly
Balance: Up to $9,999.99; Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. Minimum opening deposit $2,500. 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.
Qualifications Required: Qualifications Required; Avg Balance up to $10K; High Yield Checking restrictions apply
Balance: $0 - $9,999
Balance: $100,000 and over
Balance: $1,000,000 and up; Average Daily Balance required to earn dividends
Balance: $5,000.00 - $50,000.00; Dividends compound monthly; limited to one per member; new money only
Balance: $5,000.01 - 50,000.00
- Oct 10, 20264.00%▼ from 4.50%
- Sep 14, 20264.50%first recorded
Balance: $50 to $2,500; Open with $25; minimum balance of $50 to earn the APY
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Earn 4.00% APY on balances of $2,500 and over. Balances below $2,500 earn 0.30% APY. Promotional Money Market rate is exclusive to business accounts, and is effective as of June 1, 2026. The offer is exclusively for new funds that are not currently on deposit at Connex, and is only valid for accounts opened online.
Balance: $1,000,000 and Up
Balance: $0 -$1,000
Balance: $0 - $500.00; Dividends determined by tiered rate method
Balance: $1,000,000 and over; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends
Balance: $1,000,000.00 and over
Balance: $2,000,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026
Balance: $2,000,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026
Balance: $1,000,000 & Over
No additional details available.
Balance: $1,000,000+; Compounds monthly
Published APY range: 3.90-5.99%. Balance: $2,000.01 - $5,000.00
Balance: $1,000,000 and over
Balance: $750,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026
Balance: $750,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026
Balance: $1,000,000 +
Balance: $1,000,000 and over
- Oct 9, 20263.90%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $1,000,000.00+; Open Online
- Oct 13, 20263.90%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $1,000,000 and over; Rates as of 10/13/26 and subject to change; Tiered interest accrued daily and paid monthly
Balance: $500,000+
Balance: Under $100,000
Balance tier: MMA Min Balance $1,00,000.00 (as printed); Monthly Fee: $10
Balance: $250,000.00 and Over
Balance: $1,000,000 and above
Balance: $15,000 and Above
- Sep 21, 20263.85%▲ from 3.59%
- Sep 14, 20263.59%first recorded
Balance: $1,000,000 and over
Balance: $1,000,000 - $2,999,999; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026
Balance: $1,000,000+
Balance: $250,000 and over; Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA.
Only available for new members - Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union); Balance: $250,000 OR MORE
Balance: $500,000+
Balance: $250,000 - $499,999.99; Dividend Period: Monthly; Effective Date: 10/1/2026
- Oct 5, 20263.82%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Balance: Up to $49,999.99
Balance: $5,000,000.00 and over
Balance: $5,000,000 AND OVER
Balance: $150,000 +
Balance: $250,000.00 and up; Dividends compounded monthly; Dividends credited monthly; Minimum balance to receive dividend $100.00; Balance method: Daily balance
Balance: $100,000 and over; Compounded monthly; Rates accurate as of 03/02/2026; $10 monthly fee if balance falls below $50,000; minimum balance of $50,000 required to earn dividends
Balance: $750,000-$999,999.99; Compounds monthly
Balance: $1,000,000.00-$2,999,999.99
Balance: $500,000 - $999,999
Balance: $1,000,000 & Up; Dividend paid monthly
Balance: $1,000,000 & Up; Dividend paid monthly
No additional details available.
Balance: $1,000,000.00-$2,999,999.99
Balance: $500,000 and Over
Balance: $100,000 - $249,999.99
Balance: $249,999.01 - $9,999,999.00
Balance: $2,499,999.01 - $9,999,999
Balance: $0 - $250,000.00; No monthly fee if below minimum balance; Available to organizations registered as nonprofit with the Oregon or Washington Secretary of State or providing proof of IRS tax exempt status; Interest compounded and credited monthly; Rates effective 10-12-2026
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Qualifications Required: Average daily balance (ADB) 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; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: $1,000,000.00 and over; Declared, paid and compounded monthly
Balance: $100,000.00 - $199,999.99
- Oct 9, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: over $100,000; No monthly service fee
- Oct 5, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $250,000 - $499,999
No additional details available.
Balance: $1,000,000 and above; Dividends will be compounded every day. Dividends will be credited to your account every month.
- Oct 6, 20263.75%▲ from 3.50%
- Sep 27, 20263.50%first recorded
Balance: $1,000,000 and above; Dividends will be compounded every day. Dividends will be credited to your account every month.
- Oct 6, 20263.75%▲ from 3.50%
- Sep 27, 20263.50%first recorded
Balance: $500,000 & above
- Oct 9, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Qualifications met; Balance: $1,000,000+
Balance: $100,000 or more
Balance: $500,001 and greater; Only available on business accounts
Balance: $1,000,000.01 & over
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $500,000.00 and up
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 and over; New money required; Introductory rate, expires after April 30, 2027; Checking writing available; Dividend period: Monthly
Balance: $250,000.00 - $999,999.99
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $200,000.00+
Balance: $1,000,000 or more
Balance: $100,000-$249,999.99; Minimum to earn dividends: $2,500
Balance tier: MMA Min Balance $500,000.00; Monthly Fee: $10
Balance: $0 OR MORE
Balance: $500,000+
- Oct 6, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $25,000 - $99,999; Minimum to open is $25,000; Restrictions apply
- Oct 13, 20263.75%▼ from 4.50%
- Sep 14, 20264.50%first recorded
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $1,000,000 - $5,000,000
- Oct 5, 20263.75%▲ from 3.65%
- Sep 25, 20263.65%first recorded
Balance: $100,000 +; Compounded monthly; $10 monthly fee if balance falls below $50,000
- Oct 13, 20263.75%▼ from 3.81%
- Sep 14, 20263.81%first recorded
Balance: $1,000,000.00 or more
Balance: $75,000 or more
- Oct 9, 20263.71%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Balance: $75,000.00 - $99,999.99
- Oct 9, 20263.70%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Balance: $1,000,000.00 and over; Declared, paid and compounded monthly
Balance: $50,000 and up; Minimum balance to earn interest $5,000. Member is allowed 3 transactions per month to retain Money Market interest rate.
Balance: $500,000 or more; Account Type: $500,000 or more
Balance: $1,000,000 and up
Only available for new members - Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union); Balance: $50,000-$249,999.99
Qualifications Required: New money is defined as funds from another financial institution that were not on deposit with Everwise Credit Union as of July 1, 2026.; Balance Required to Earn Dividends: $50,000 and Greater (New Money Promotion)*; Promotional rate effective through 12/31/2026 and subject to change. After 12/31/2026 or if you do not have the minimum new money deposit of $25,000 to qualify for the promotional rate, you would be paid the standard rate.
- Oct 9, 20263.69%▲ from 3.42%
- Sep 14, 20263.42%first recorded
Balance: $20,000 & Up
- Oct 9, 20263.68%▲ from 3.59%
- Sep 21, 20263.59%first recorded
Balance: < $2,500
Balance: $250,000+
- Oct 9, 20263.66%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $500,000-$749,999.99; Compounds monthly
Balance: $250,000; Dividend Distribution: Monthly
Balance: $50,000.00 - $74,999.99
- Oct 9, 20263.65%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Balance: $1,000,000+
Interest Paid: Monthly
Balance: $500,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026
Balance: $500,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026
Balance: $500 and up
Balance: $0 TO $1,000
Balance: $0 TO $1,000
Balance: $500,000 - $999,999
- Oct 5, 20263.65%▲ from 3.55%
- Sep 25, 20263.55%first recorded
Balance: $13,000,000.01 - & Over
- Sep 29, 20263.61%▲ from 3.61%
- Sep 25, 20263.61%▼ from 3.61%
- Sep 21, 20263.61%▼ from 3.61%
- Sep 18, 20263.61%▼ from 3.61%
Balance: Up to $499,999.99
Balance: $25,000.00 - $49,999.99
- Oct 9, 20263.60%▲ from 3.10%
- Sep 14, 20263.10%first recorded
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.
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 6.00% APY Top offer in our table | Difference |
|---|---|---|---|
| $5,000 | $64.26 | $300.00 | $235.74 |
| $10,000 | $128.52 | $600.00 | $471.48 |
| $25,000 | $321.30 | $1,500.00 | $1,178.70 |
| $50,000 | $642.60 | $3,000.00 | $2,357.40 |
| $100,000 | $1,285.20 | $6,000.00 | $4,714.80 |
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.
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.
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.
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.
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.
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 Union | Bank | |
|---|---|---|
| Insurer | NCUA (National Credit Union Administration) | FDIC |
| Backed By | ✓ Full faith and credit of the U.S. government | ✓ Full faith and credit of the U.S. government |
| Standard Coverage Limit | $250,000 per depositor, per institution, per ownership category | $250,000 per depositor, per institution, per ownership category |
| Money Market Accounts Covered | ✓ Yes | ✓ Yes |
| Who Owns the Institution | Its members, you | Shareholders |
| Where Profits Go | Back to members as better rates and lower fees | To shareholders as dividends |
Coverage limits are per depositor, per insured institution, per ownership category, joint and individual accounts are counted separately, so a couple can hold more than the single-owner limit at one institution. A money market account at an insured credit union is a deposit and is covered; a money market fund from a brokerage is an investment and is not. Verify any institution at ncua.gov before depositing.
About Our Credit Union Money Market Rate Database
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 6.00% APY from Noble Federal 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.
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.
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?
- Noble Federal Credit Union
Reverse Money MarketN/A6.00% APY - Meridian Trust Federal Credit Union
Momentum Money MarketN/A6.00% APY - Northwest Plus Credit Union
Premium Money MarketN/A5.49% APY - 1st Northern California Credit Union
1st Class Money MarketN/A5.39% APY - Connection Credit Union
Youth Money MarketN/A5.12% APY
More Money Market Rate Options
