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Reach new heights with up to APY.*
Here's a calculator to help you determine how much you’ll earn over time depending on your deposit amount. The more you save, the more you earn.
This calculator is for illustrative purposes only and does not reflect actual dividend earnings. APY is subject to change. Withdrawing funds will result in a different amount of dividends paid. The Level Up Money Market APY for this example is %. View rates & disclosures
Myth – A money market account does not allow me to access my funds when I need them.
You to have unlimited access to your funds. Money market accounts earn higher dividend rates than a regular savings account, while keeping your funds liquid.
Myth – A money market account is an investment account and puts my money at high risk.
This is a common misconception. The word “market” can be misleading. A SAFE money market account allows you to keep your money safe and earn a variable dividend rate. All your SAFE Credit Union funds are NCUA insured to at least $250,000 (much like FDIC for a bank).
Myth – The minimum deposit and ongoing balance requirement is higher than I can afford.
The minimum initial deposit requirement for the Level Up Money Market is $25. When you have an average daily balance of $2,000 or more in your account, there will be no monthly service fee applied.*
Dividend Rate
Many deposit accounts, including a money market account, pay a rate of interest (banks) or a rate of dividends (credit unions). The quoted rates are applied to balances in the accounts, and financial institutions pay dividends monthly, quarterly, semi-annually or annually; SAFE pays them monthly.
If you have $100,000 on deposit and the account earns a 1.00% dividend rate, you will receive approximately $82 a month. That rate is calculated by multiplying the dollar amount and dividend rate and dividing that total by 365 multiplied by the number of days in month. (100,000 X 1.00%)/365 X 30= $82.19 /month.
The dividend rate does not take into account the compounding of earnings within the year. That’s where APY comes into play.
APY (Annual Percent Yield)
Many accounts, including a money market account, also have an annual percentage yield (APY), which measures the total amount of earnings on an account based on the dividend rate and the frequency of compounding. It takes into account the earnings made on your original deposit, as well what you earn on top of the other earnings.
So, back to that account with $100,000 in it. In month one, you earn about $82, bringing your balance to $100,082. The next month, that 1.00% dividend rate is now applied to $100,082. You’ve now earned $82.26 in dividends for that month, bringing your account balance to about $100,164.26, and so on.
* APY - Annual Percentage Yield as of . Introductory APY is limited to one account per tax reporting owner and available to accounts opened by December 31, 2025, who meet the following requirements: 1) Have no previous member relationship with SAFE Credit Union or have established a new membership within the 60 days prior to account opening, 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution), and 3) Maintain a minimum of $2,000 for the first three months from account open date. Once the three-month period has ended, or the balance falls below $2,000, the dividend rate reverts to the standard Level Up Money Market or Business Money Market variable rate in effect at that time. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Monthly fee of $12 waived if average daily balance equals $2,000 or more. Fees may reduce earnings. Dividends are paid monthly.Special Introductory APY: $2,000-$25,000- 3.56%, Over $25,000- 2.48%-3.56%. Standard Level up Money Market Tiers & APY: Under $10,000 - 1.11%, $10,000-$24,999.99 - 1.11%, $25,000-$49,999.99 - 1,61%, $50,000-$99,999.99 - 1.87%, $100,000-$249,999.99 - 2.12%, $250,000.00 & over - 2.48%.
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