Money Market Account

Your Balance Grows. So Does Your Rate.

Most bank savings accounts pay less than 0.5% APY. ACU's Money Market account earns tiered dividends on every dollar, with no monthly fee and no term to serve. The more you save, the more you earn, because you're an owner, not just a depositor.

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Tiered Rates

A Bigger Balance Gets You a Better Rate

ACU's Money Market account uses a tiered dividend structure. Once your balance crosses the $2,500 threshold, every dollar earns the Guaranteed Money Market rate. No splitting accounts, no complex rules.

Money Market Account

Start earning dividends from day one. The standard Money Market rate applies to balances from $25 up to $2,499. No monthly fee, no minimum to maintain after opening, and full access to your funds anytime.

Minimum to open$25
Monthly feeNone
Rate structureVariable dividend
WithdrawalsUnlimited
AccessOnline, mobile, in-branch
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Best Rate
Guaranteed Money Market

When your balance reaches $2,500, the Guaranteed Money Market rate kicks in automatically. It is promotional, tiered, and earns meaningfully more than the standard rate. New money only; limit one per account.

Minimum balance$2,500
Monthly feeNone
RateGuaranteed for 6 months
WithdrawalsUp to 6 pre-authorized/month
AccessOnline, mobile, in-branch
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Not sure which tier fits? If your balance stays below $2,500, the standard Money Market still earns more than a Regular Share Savings account. When you build past $2,500, the Guaranteed rate kicks in automatically, no paperwork needed.

At a Glance

How the Money Market Compares

The Money Market sits between regular savings and share certificates: better rate than savings, full liquidity unlike a certificate. As of March 2025, money market accounts averaged 0.74% APY at credit unions versus 0.53% at banks, according to NCUA rate data.

Account Minimum Monthly Fee Access Rate Type
Regular Share Savings $25 None Anytime Variable View rates →
Money Market (Standard) $25 None Anytime Tiered variable View rates →
Guaranteed Money Market $2,500 None Up to 6×/month Guaranteed (6 mo.) View rates →
Share Certificate $500 None At maturity Fixed View rates →
Why ACU

Built for Owners, Not Depositors

At a bank, you're a customer. At ACU, every member is a part-owner, and that changes how your savings are managed.

No Monthly Fee

ACU's Money Market carries no maintenance fee. Every dollar you deposit stays working for you.

NCUA Insured to $250,000

All ACU deposits are federally insured by the NCUA, the credit union equivalent of FDIC coverage, up to $250,000 per ownership category.

Dividends, Not Interest

Banks pay interest to depositors. ACU pays dividends to member-owners. Your earnings reflect the credit union's performance, not a shareholder's margin.

Full Liquidity

No term, no penalty, no lock-in. Access your funds through online banking, the mobile app, or any branch whenever you need them.

Monthly Compounding

Dividends compound and post monthly. Your earnings start earning too.

Tiered Rates Reward Growth

As your balance grows, your rate grows with it. You do not need to open a new account or ask for a better rate. It applies automatically.

Getting Started

Open Your Money Market in 3 Steps

Most members are up and running in under 10 minutes.

01
Become a Member

ACU membership is open to Pacific Northwest residents and to active and retired military members nationwide. You will need a government ID, Social Security number, and proof of address. The Regular Share Savings account ($25 deposit) establishes your membership.

02
Open Your Money Market

Once you are a member, request your Money Market account online, over the phone, or at any of ACU's 13 South Puget Sound branches. Standard accounts open with $25. To start at the Guaranteed rate from day one, open with $2,500.

03
Start Earning

Dividends begin accruing immediately and post to your account monthly. Track your balance and transfer funds anytime through ACU Online Banking or the mobile app.

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★★★★★

"I moved part of our emergency fund here after seeing what our old bank was paying. The rate is meaningfully better, and I still have full access. No fees, no surprises. That is all I needed."

Sandra M.South Tacoma Branch
Common Questions

Money Market FAQs

Answers to what members ask most when opening a Money Market account at ACU.

Both are liquid and NCUA insured. The key differences are rate and access rules. A Money Market account earns a higher tiered dividend rate, especially at balances above $2,500, in exchange for a limit of six pre-authorized transactions per month (such as recurring bill payments or transfers). A Regular Share Savings account has no transaction limits but earns a lower base rate. If you rarely dip into the account and want a better return, a Money Market is the better choice.
The Guaranteed Money Market is a promotional version that requires a $2,500 minimum balance. When your balance meets that threshold, you receive a higher dividend rate guaranteed for six months. After six months, you can re-guarantee at the then-current rate or the account reverts to the standard Money Market rate. New money only; limit one per member.
The standard Money Market opens with a $25 minimum deposit (the same as a Regular Share Savings account). To qualify for the Guaranteed Money Market rate from day one, you will need a minimum opening deposit of $2,500. Both accounts carry no monthly fee.
Yes. You can make unlimited deposits and in-branch or online transfers at any time. The only limitation applies to pre-authorized transactions, such as automatic bill payments, debit card purchases, or recurring transfers to outside accounts, which are capped at six per month by federal regulation. Most members never hit that limit.
If your Guaranteed Money Market balance drops below $2,500, your dividends revert to the Regular Share Savings rate for the period your balance is below the threshold. There is no penalty or fee. Once your balance returns to $2,500 or more, the Guaranteed rate applies again.
Yes. All ACU accounts require membership. Membership is open to people who live, work, worship, or attend school in the Pacific Northwest; active and retired military members and their families nationwide; members of the Association of the United States Army; and members of the Pacific Northwest Consumer Council. Membership begins with a $25 Regular Share Savings deposit.

Important Disclosures

APY = Annual Percentage Yield. Rates are subject to change without notice. Money Market: variable dividend rate; no monthly maintenance fee; $25 minimum opening deposit. Guaranteed Money Market: minimum opening deposit and minimum balance of $2,500 required; guaranteed rate for 6 months; after the guarantee period, rate reverts to standard Money Market rate unless re-guaranteed; new money only; limit one per account. Pre-authorized transaction limit: up to 6 per month; excess transactions may be denied. Fees may reduce earnings. See Fee Schedule and Truth-in-Savings Disclosure for full terms. All deposits federally insured by NCUA up to $250,000 per ownership category. America's Credit Union NMLS 449181. Equal Housing Lender.

Regular Savings Is a Good Start. This Is the Next Step.

Open your ACU Money Market account in minutes, online or in branch. $25 to open, no monthly fee, NCUA insured up to $250,000.

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