Turn small change into BIG savings.

Start small. Earn big.


At most financial institutions, only accounts with high balances can enjoy higher rates. With a Members First Money Market Account, you earn a whopping 4.00% APY* on accounts with balances $500 or less. We aim to encourage a better tomorrow, including helping new savers build good savings habits.

This tiered Money Market Account is perfect for building an emergency fund, nest egg, or saving for a down payment for a home, a car, or a vacation! It can help you reach your savings goals faster, whatever they may be.

Like a savings account, our Money Market Account pays interest and is insured by the National Credit Union Administration (NCUA). You can make deposits anytime and have flexible access to your money whenever needed. The difference is that this account lets you write checks.



Any amount is worth saving, with no minimum opening balance.


No minimum balance.


No monthly service charge.


No early withdrawal penalty.


Money Market Account
Effective Date: Sunday, October 1st, 2023
Please contact us or stop into a branch to verify the current rate.
BalanceAnnual Percentage Yield
$0 - $500.00 4.00%
$500.01 - $1,000.00 1.75%
$1,000.01 - $10,000.00 0.55%
$10,000.01 - $25,000.00 1.01%
$25,000.01 - $50,000.00 1.26%
$50,000.01 - $100,000.00 1.51%
$100,000.01 - $200,000.00 1.76%
$200,000.01 + 2.02%
*APY = Annual Percentage Yield. 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.

Frequently asked questions

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