Money Market Account features

Copper State Credit Union's Money Market Account offers you the chance to earn more on your savings without risk or restrictions on your money.

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Guaranteed dividends.
Watch your money grow and enjoy guaranteed returns.
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No balance requirement.
Enjoy no fees or minimum balance requirements.
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Tiered interest rates.
Flexible tiered money market rates allow you to invest as little or as much as you want.
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Easy access.
Make up to 6 transfers (3 may be payments made by check) each month.
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Your deposits are insured.
Deposits are insured by National Credit Union Administration and dividends are guaranteed.

Money Market Account

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Dividend rates are subject to change after the account is opened. Fees may reduce earnings on the account.

Money Market Account
Balance
Dividend Rate
Annual Percentage Yield (APY)
Balance
Less than $999.99
Dividend Rate
0.05%
Annual Percentage Yield (APY)
0.05%
Balance
$1,000.00-$24,999.99
Dividend Rate
0.10%
Annual Percentage Yield (APY)
0.10%
Balance
$25,000.00-$99,999.99
Dividend Rate
0.15%
Annual Percentage Yield (APY)
0.15%
Balance
$100,000.00 and greater
Dividend Rate
0.20%
Annual Percentage Yield (APY)
0.20%
Effective October 1, 2021

Dividend rates are subject to change after the account is opened. Fees may reduce earnings on the account.

Ways to use your Money Market Account

  • Flexible savings.

    Keeping your money accessible while trying to save is important. Money Market Accounts can be used to save for many short and long-term savings goals.

  • Emergency savings.

    There's no better time to start planning for the unexpected. Save three to six months worth of expenses to be prepared.

  • Hold 401(k) distributions.

    Enjoy the higher interest rates and guaranteed returns. Watch your money grow and know it is safe.

  • Your next adventure.

    Start saving for your next vacation, large family event or rainy day adventure. Grow your savings now so you are ready when the time is right.

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Free 24/7 Online and Mobile Banking
Our online tools allow you to manage your money, pay bills, transfer funds and more from anywhere!
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The Best Money Money Account

The right Money Market Account for you.

When you decide to keep your money close in a Copper State Credit Union Money Market Account, you can be sure you will be earning more and getting closer to your financial goals without the risk. 

No matter where you are on life's journey, knowing your money is insured by National Credit Union Administration should give you peace of mind that your money is safe and sound and will be there when you need it.

Not sure if a Money Market Account is right for you? We value each and every one of our members and we are here to help you each step of the way. Please contact us if you need help deciding if a Money Market Account is the right solution for you. 

 

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Money You Can Count On

Reliable Money Market Accounts.

No matter how close you are to achieving your financial goals, Copper State Credit Union makes it easy to get one step closer. You can count on our Money Market Account to support where your savings is today and where it will in the future. No matter where life takes you, we are here to help.

Member Since 2021
Patricia L.

We chose Copper State first because it was a credit union and second because it was convenient to our home.

However, the service we have gotten in just a short time is been wonderful.

We have dealt with the Anthem branch and feel they have gone above and beyond and doing so with a wonderful attitude.

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Have a Question?

Frequently Asked Questions

What is a money market account?

Most banks offer hybrid accounts—part checking, part saving—called money market accounts (MMAs) or money market deposit accounts. They're similar to money market mutual funds, but have the advantage of federal insurance.

What are the best uses of money market accounts?
  • Higher dollar amounts of savings
  • Savings that you want to keep federally insured
  • Savings you'll occasionally want to pay out via check
  • Emergency savings funds, as long as your financial institution gives you quick and easy access to the account if/when needed
What are the interest rates like?

MMAs typically pay higher interest rates than regular savings accounts and may offer blended or tiered rates, which means you can earn an even higher rate on large balances or on part of your balance over a certain level.

What are the transactional differences?

You can usually make a limited number of cash transfers or write a limited number of checks—generally a total of three—against your account each month.

The catch is that the minimum required deposit is often higher than with a regular savings account. If your account falls below that mark, you may face substantial service fees, forfeit your interest, or both.

Luckily, Copper State CU does not charge fees for our money market accounts.

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