Money Market
Higher earnings without locking your money away.
What is a money market account? It's a savings account that pays higher, tiered dividend rates as your balance grows, while still letting you access your funds. NCACU money market accounts are a great fit for an emergency fund or short-term savings you may need to reach.
What you get
- Tiered rates — earn more as your balance grows
- Full access to your funds when you need them
- Federally insured by NCUA
- No long-term commitment
- Manage transfers in online and mobile banking
| Balance tier | Dividend Rate | APY* |
|---|---|---|
| $2,500 – $24,999 | 3.45% | 3.50% |
| $25,000 – $99,999 | 3.74% | 3.80% |
| $100,000+ | 3.93% | 4.00% |
Rates shown are illustrative placeholders for this design preview. Replace with NCACU's current published rates before launch. APY = Annual Percentage Yield; APR = Annual Percentage Rate.
Frequently Asked Questions
A money market account keeps your funds accessible and pays a variable rate, while a certificate (CD) locks your money for a fixed term in exchange for a guaranteed rate.
Money market accounts use balance tiers, so higher balances can earn higher rates. Ask a banker for the current tiers and rates.
Ready to become a member?
Opening an account online takes about ten minutes. Membership is open to anyone who lives, works, worships, or attends school in our Michigan communities.