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Money Market accounts offer higher dividends than a traditional savings account while still providing accessibility to your funds. With higher dividends and flexibility, meeting your savings goals has never been easier.
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†View rates & disclosures
Level up your savings with more accessibility than a certificate.
As high as APY1
Earn competitive rates while keeping your funds readily available.
As high as APY†
Flexible access to your funds while saving for short-term goals.
Calculate the APY you'll earn with our Preferred Money Market Calculator
APY†on your first $2,000.
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SAFE Personal Money Market Account Features
Dividends paid monthly
Dividends from the Money Market account are earned on a monthly basis.
No monthly service fees on average daily balances
No monthly service fees on average daily balances of $2,000 or more.2
Free online banking and SAFE Mobile App
Download the app and manage your account.3
Overdraft protection
Overdraft protection for your SAFE checking account.
Check-writing
Access your money with check-writing when you need it most.
Insured by NCUA
Funds are federally insured by NCUA to at least $250,000.
The money a credit union pays you for keeping your money on deposit is called a dividend. Your money also grows with compounding. For example, if you deposit $100, you will earn dividends on that $100 in the first month. And, every month after, you’ll earn dividends on the $100, plus dividends on your dividends.
Annual Percentage Yield (APY) gives you the most accurate idea of what your money could earn in a year. APY includes your rate and the frequency of compounding dividends. The higher the APY, the more earnings for you!
A tiered-rate account pays dividends at different rates based on account balances.
Money Market products allow you to access your money in person when you need it.
Find out the APY you'll earn with a specific balance in a Preferred Money Market account.
This calculator is for illustrative purposes only and does not reflect actual dividend earnings. APY is subject to change. Withdrawing funds before one year will result in a different amount of dividends paid.
Dividends paid on the portion of the balance that falls within each specified tier. For example, you maintain a balance of $25,000. The first $2,000 earns the dividend rate of %, and the balance of $23,000 earns the dividend rate of %. The Preferred Money Market APY for this example is %.
*$12 monthly fee waived with average daily balance of $2,000 or more, or for Capitol Club. Minimum opening deposit of $25. Dividends paid on the portion of the balance that falls within each specified tier. Annual Percentage Yield (APY) accurate as of and subject to change without notice. Variable rate may change after account opening. Fees may reduce earnings. Limit one Preferred Money Market Account per member.
1 Annual Percentage Yield (APY) accurate as of and subject to change. Variable rate may change after account opening.
2 $12 monthly service fee waived if average daily balance equals $2,000 or more, or for Capitol Club. 3 Standard carrier rates and fees apply.
Financial Calculators
Get the numbers you need to make confident decisions about your savings goals.
Beyond Everyday Banking
Browse SAFE blog articles about savings:
Zogo, Learn & Earn App
Learn about finances as easily as playing a game on your phone! The Zogo app brings fun to learning and an opportunity to earn rewards like gift cards to your favorite places.
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