Best Credit Union Money Market Account Rates — April 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 Connection Credit UnionConnection Credit Union10200 Silverdale Way NW, Silverdale, WA 98383A5.0 ★Texas Ratio: 8.87% offering Youth Money Market at 5.12% APY, and Max Credit UnionMax Credit Union2309 Cobbs Ford Rd, Prattville, AL 36066A+5.0 ★Texas Ratio: 3.24% offering Elevate Money Market Account - Reverse Money Market at 5.00% APY, and Noble Federal Credit UnionNoble Federal Credit Union2580 W Shaw Ln, Fresno, CA 93711 2778A+5.0 ★Texas Ratio: 4.58% offering Reverse Money Market at 5.00% APY, and New England Federal Credit UnionNew England Federal Credit Union141 Harvest Ln, Williston, VT 05495 7331A+5.0 ★Texas Ratio: 4.53% offering Essential Money Market at 4.50% APY. Savings rates as of April 9, 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: April 9, 2026
Compare the Best Credit Union Money Market Rates Nationwide
Qualifying balance up to $750.00
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up to
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Includes 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.
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Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.
$50,000-$250,000; Limited-time offer
Limited Time Special Offer
Up to $49,999.99
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Qualifying balance up to $1,000,000.00
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as high as
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recurring monthly $500 Direct Deposit
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Intro rate expires: 6 months
For a limited time, open a Money Market Special account and enjoy up to 4.00% APY1 for the first six months.
$10,000 or more
Avg Balance up to $10K
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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Qualifying balance up to $100,000
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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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with active checking*
With Active Checking*
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with active checking*
With Active Checking*
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New money only
New money only
With balance above - $999,999.99
Advantage members earn 3.75% APY1 until 2027, everyday rate earned is 2.75% APY, nearly 5x the National Average; A minimum balance of $5,000 is required to earn stated APY, with a $1,000,000 maximum; New money required, with exceptions2; Earn stated dividend rate until December 31, 2026
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Qualifications Required
As High As; Qualifying balance up to $1,000.00
($25,000 minimum opening deposit)
Guaranteed for 3 Months
Includes 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.
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Qualifying balance up to $2,500.00
With Active Checking*
Community High Yield Money Market for consumer and business accounts. Earn 3.75% Annual Percentage Yield for new money only. Minimum balance of $10,000 to open.
New Money
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Only new money qualifies for the Jumpstart Money Market. (New money is defined as funds not currently on deposit with Travis Credit Union)
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with active checking*
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On balance above $350,000
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)
is_promo: true; For six months when you become a new member and open a Flex Money Market or Business Money Market account!
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as high as
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>$250,000.00
>$250,000.00
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APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Fees may reduce earnings.
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Balance $50,000 or more
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With Active Checking*
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With balance between $250,000.00 - $999,999.99
Qualifying balance up to $999,999.00
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Qualifying balance up to $10,000.00
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Qualifications Required; Aloha Rewards Checking Account Required.
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Qualifications Required
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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?
- Connection Credit Union
Youth Money Market — 5.12% APY - Max Credit Union
Elevate Money Market Account - Reverse Money Market — 5.00% APY - Noble Federal Credit Union
Reverse Money Market — 5.00% APY - New England Federal Credit Union
Essential Money Market — 4.50% APY - Community First Credit Union Of Florida
Business Money Market — 4.50% APY
More Money Market Rate Options
