Earn high interest rates while maintaining liquidity with a Money Market savings account.
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Money Market Saving Accounts
Flexible, Higher Interest Savings
Sometimes you have to choose between two exclusive options. If you select a higher interest rate, your money may be restricted for a period of time, or you can get the flexibility of having access to your money at a lower interest rate. With a Money Market account, you can have both.
Balance growth and liquidity with a Money Market account.
| ACCOUNT | BALANCE | APY* |
|---|---|---|
| Money Market | < $2,500 | 1.60% |
| $2,500-$24,999 | 1.70% | |
| $25,000-$49,999 | 1.70% | |
| $50,000-$74,999 | 2.10% | |
| $75,000-$99,999 | 2.35% | |
| $100,000 + | 2.35% | |
| Money Market Plus+1 | ≥ $50,000 |
2.50% |
| Qualifications not met | $0 - $49,999 | 0.35% |
| Jumbo Money Market2 | < $100,000 | 0.35% |
| $100,000-$250,000 | 2.75% | |
| $250,000-$500,000 | 2.90% | |
| $500,000-$1,000,000 | 3.00% | |
| $1,000,000+ | 3.05% |
With all Money Market Accounts you get:
$0 Minimums
You will never be charged a service fee for your account balance. Your balance determines what you earn, not what you pay.
unlimited Transactions
Unlimited deposits or withdrawals.
Access Anywhere
Whether you visit your branch, login online, by app, or give us a phone call, you have constant access to your accounts.
With Money Market Plus
You get higher earnings on your larger balances.
How do you get the PLUS rate? There are three simple qualifications. Open a Money Market Plus account and meet these qualifications on a monthly basis to earn 2.50% Annual Percentage Yield (APY), paid out monthly.
1 |
2 |
3 |
|---|---|---|
| Add a Checking Account |
Set up Direct Deposit
|
Keep a $50,000+ Daily Balance
|
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Savings Account
“Really wonderful service, lots of great opportunities for saving money by using a credit union.”
- Joshua
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On the go or at home, securely apply online (not currently available for Plus or Jumbo accounts).
Meet with Us
Schedule an appointment to meet with a member representative at your nearest branch.
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Get Instant Answers
Both Savings and Money Market accounts offer unlimited deposits with no monthly fees. However, Money Market accounts typically earn higher interest based on the deposit amount and average daily balance.
No, there is no minimum balance in a Money Market account - as long as you have at least $5 in a Share Savings account, you can maintain any balance in your Money Market account. However, it is a tiered account – so the more you deposit is the more you will earn.
You can check your Money Market account balance 24/7 by accessing your account through Online Banking or the Mobile App. You can also dial our automated TELLERphone line to quickly check your balance.
For Your
Convenience
Easily access your monthly statements online.
Download the Credit Union West Mobile Banking app to access your account on the go.
Transfer money into your savings, review balances and more.
We are here to serve our members. We want your banking experience to be secure and convenient.
MEMBERS WITH money markets ALSO HAVE
Secure money growth at various time and investment tier options.
Free checking account that offers a 4.07% APY on balances up to $10,000.
*APY=Annual Percentage Yield.
1To qualify for the Money Market Plus higher dividend rate you must maintain (1) a daily balance of $50,000 or more to receive an APY of 2.50%, (2) At least one direct deposit (ACH automatic credit transaction) must post and settle to your account, (3) you must open a new checking account or have any existing checking with the Credit Union, and (4) If qualifications are not met, all balances earn 0.35% APY for the entire month.
2Jumbo Money Market Account Dividend Rate and Annual Percentage Yield (APY) may change without prior notice, before or after account is opened. Fees could reduce earnings. To qualify for the Jumbo Money Market Account (1) must meet membership eligibility; (2) minimum to open is $100,000 in new money, (3) no minimum balance requirement, (4) balance capped at $5MM for one owner (SSN), (5) to earn higher tier APYs must maintain tier minimums.
A BETTER CHECKING EXPERIENCE
Heritage High-Yield Checking
Free checking that let's you earn while you spend.
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