Best Credit Union Money Market Account Rates — May 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 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, 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. Savings rates as of May 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: May 22, 2026
Compare the Best Credit Union Money Market Rates Nationwide
Qualifying balance up to $24,999.99
Qualifying balance up to $750.00
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[Learn More](https://www.marinefederalhb.org/home/site/choicemoneymarket)
Limited-time offer
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As High As; Qualifying balance up to $1,000,000.00
guaranteed through June 2026
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for the first six months.
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with recurring monthly $500 Direct Deposit
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$1,000,000 +
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Qualifying balance up to $10,000.00
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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 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. 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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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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$250,000 - $499,999
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Minimum to Open $2,500.00
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as high as
Compounded Monthly
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with active checking*
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with active checking*
Monthly Fee: $10
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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
As High As
$250
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Only new money qualifies for the Business Direct Advantage MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Qualifications Required
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Monthly Fee: $10
With balance above - $999,999.99
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Minimum to Open $2,500.00
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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Qualifying balance up to $2,500.00
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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*
Qualifications Required: the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate
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On balance above $350,000
Matches 6 Month CD APY
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Minimum to Open $2,500.00
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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
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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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New money only
New money only
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Qualifications Required
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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$15,000+
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Dividend Rate with Checking
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with active checking*
Accounts with $100,000.00 or greater will earn 3.50% APY* during the promotion
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The Higher the Amount the Higher the Interest Rate.
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.
Monthly Fee: $10
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Qualifications Required; Aloha Rewards Checking Account Required.
With balance between $250,000.00 - $999,999.99
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Tiered rates that reward higher balances
$500
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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?
- 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - Connection Credit Union
Youth Money Market — 5.12% APY - Christian Community Credit Union
Business Savings & Money Market — 5.00% APY - Noble Federal Credit Union
Reverse Money Market — 5.00% APY - Max Credit Union
Elevate Money Market Account - Reverse Money Market — 5.00% APY
More Money Market Rate Options
