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Maximize Your Savings With a Money Market Account

Earn up to 2.50% Annual Percentage Yield (APY)* on balances of $100,000 or more, with flexible access to your funds.
Open a Money Market Account

Save More. Earn More.

Build your savings while keeping access to your money.

A Money Market account from Service Credit Union pays dividends based on your balance tier. It has no fixed maturity term, so you can save for your goals while keeping access to your funds. Account limits and fees apply.*

Open a Money Market Account

Why Choose a Money Market Account?

  • Tiered dividends – Earn up to 2.50% APY* on balances of $100,000 or more, with no direct deposit required.
  • Federally insured by NCUA.
  • Access Your Savings - No fixed maturity term; account limits and fees apply.

Start Growing Your Savings

Review your balance and savings goals, then choose your next step:
Open an Account

Open an Account

Earn dividends based on your Money Market balance tier.
Review Your Rate

Review Your Rate

Your balance determines which dividend tier applies.
Open a Money Market Account

See how your savings can grow with tiered APYs.

Money Market Account Rates

Open a Money Market Account
Minimum Daily Balance Tier Dividend Rate ANNUAL PERCENTAGE YIELD (APY*)
$2,500 Tier 1 0.549% 0.55%
$25,000 Tier 2 0.698% 0.70%
$100,000+ Tier 3 2.472% 2.50%
Minimum Daily Balance
$2,500
Tier
Tier 1
Dividend Rate
0.549%
ANNUAL PERCENTAGE YIELD (APY*)
0.55%
$25,000
Tier
Tier 2
Dividend Rate
0.698%
ANNUAL PERCENTAGE YIELD (APY*)
0.70%
$100,000+
Tier
Tier 3
Dividend Rate
2.472%
ANNUAL PERCENTAGE YIELD (APY*)
2.50%

Compare Your Savings Options

The right account depends on your balance, your savings goal and when you may need the money. Compare the features below, then review each account’s current rates and terms.

Primary Savings

Establish membership and build savings
  • If the balance exceeds $500, the remaining balance will receive a variable APY of 5.00% - 0.25%.**
  • No fixed maturity term.
Explore Primary Savings

Money Market

Save with balance-based dividend tiers
  • At least $2,500 to earn dividends; the highest APY requires $100,000 or more.*
  • No fixed maturity term; limits and fees apply.
Open a Money Market Account

Share Certificate

Save for a defined period
  • Rate depends on the selected term.
  • Fixed term; early withdrawal may incur a penalty.
Explore Share Certificates

Frequently Asked Questions

What is the minimum balance required?
To earn dividends, you must maintain a minimum daily balance of $2,500.
Are there any monthly fees for Money Markets?
If your daily balance falls below $2,500, a monthly fee applies. Please refer to the fee schedule.
How do withdrawals work?
You can access your funds whenever you need them. Some limitations may apply.
*Annual Percentage Yield (APY) is accurate as of the last dividend declaration date 10/01/2026 and subject to change without notice. Minimum balance to earn dividends is $2,500.00; variable APY of 0.55%. For balances of $25,000.00 to $99,999.99; variable APY of .70%. For balances $100,000.00 or greater; variable APY of 2.50%. If at any time during the month the money market daily balance drops below $2,500.00, a fee will be assessed.  Please see the fee schedule for the monthly fee amount. Fees could reduce the earnings on the account. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

**Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 10/01/2026 and subject to change without notice. Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.