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A Marine Credit Union Money Market Account combines the benefits of both savings and checking, giving you a higher rate of return and the flexibility to access your funds when you need them.
Or, call us at 800.923.7280.
A money market is a smart choice if you’re looking for both growth and flexibility. It’s perfect for moving your funds from a low-interest account to an option with a competitive, higher rate of return.
Whether you’re building an emergency fund or planning for a big-ticket purchase, a Marine Credit Union Money Market gives you a higher rate of return without the long-term commitment of other savings options.
Call us at call us at 800.923.7280 to Open Your Marine Credit Union Money Market Today.
There are two primary differences between a share certificate and a money market: accessibility and earnings. A share certificate doesn’t allow access to your deposited funds during the certificate’s set term (and you might pay a penalty for early withdrawal). A money market, on the other hand, offers greater liquidity and accessibility to your deposited funds. When it comes to interest rates, a share certificate offers a fixed rate based on a set term, regardless of the certificate amount. A money market provides tiered interest based on balance rather than term—the more you deposit, the more you earn.
There is no minimum balance required to open a money market account. However, a balance of at least $2,000 is required to start earning interest. Below this amount, your funds are secure, but no dividends are paid.
Our money markets have no monthly maintenance fees, so you can focus on growing your savings without worrying about hidden costs.
Money market accounts are designed to be liquid and offer you more flexibility in accessing your funds than other investment options. You can withdraw or transfer funds up to six times per month without penalties, and there’s no fee for closing the account.
If you exceed the limit of six withdrawals or transfers per month, you may incur a fee, and in some cases, the account may be converted to a regular savings account to comply with federal regulations.
Money market accounts aren’t intended for everyday use, and you may encounter a penalty for exceeding six withdrawals or transfers per month. A money market is a smart choice if you want to earn a higher rate of return than a traditional savings account and only need occasional access to the funds.
If you open a money market with a promotional rate, your account will revert to the standard rate for your balance tier when the promotional period ends.
Everyone’s savings needs are different. Find the right fit for your financial journey with these options:
Looking for a longer-term option with a guaranteed rate? Our Share Certificates provide safe, reliable growth over a set term.
Learn more about Savings Certificates.
Our Savings Accounts are simple and accessible, perfect for building your emergency fund or setting money aside for your short-term savings goals.
Our Investment and Retirement Accounts are designed to help you achieve your long-term goals. We offer a variety of options to support your journey, including a Traditional IRA and Roth IRA.
Explore all of our savings options and open an account today.
