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Maximum Money Market™

Stop chasing and starting earning high-yields, the easy way.

Catch that high-yield energy with a Maximum Money Market™ deposit savings account. You'll be stacking cash with high-yield returns in no time—all without restrictions on deposits or withdrawals.

Limited Time 6-Mo Promo Rate

3.00% Annual Percentage Yield (APY)*

6-Month Promotional Rate
on entire balance3
  • Open with $50,000 or more of New Money
  • Promo Rate applies to entire balance for 6-months 

Get high-yield savings and control your cash—add or take out anytime! 

Our Maximum Money Market™ account is perfect for hitting those shorter-term savings goals like a rainy day fund, a weekend getaway, or a quick home upgrade. You’ll earn great interest and still be able to access your cash anytime. So, when you hit your savings target, you can use your money right away—no waiting! Plus, it offers a high interest rate that changes with current rates, so you always get the best deal. Open an account today to get a great rate and easy access to your money.

FOR A LIMITED TIME, EARN UP TO 3.00% APY*
on your entire balance when you open with $50,000 or more.3

Get these high-yield interest rates

Balance Tiers Guaranteed Dividend Rates2 Dividend Rate APY*
$0.01 - $49,999.99
0.10% 0.10%
$50,000 - $149,999.99
WSJP minus 7.00%
 0.50% 0.50%
$150,000 - $299,999.99
WSJP minus 6.75%
 0.75% 0.75%
$300,000 - $499,999.99
WSJP minus 6.50%
 1.00% 1.00%
$500,000 - $999,999.99
WSJP minus 5.50%
 2.00% 2.02%
$1,000,000 and More
WSJP minus 4.50%
 3.00% 3.04%
$50,000 and higher
LIMITED TIME 
6-Month New Account Promotional Rate3
 2.96% 3.00%

Maximum Money Market™ account benefits

This account gives you our top savings rate that stays in line with the market, and you can get to your cash anytime you need it.

  • Always get the preferred savings rate – High-yield, variable dividend rates
  • Never pay monthly fees – No monthly maintenance fees, and no minimum balance requirement
  • Keep flexible access to your funds – No excessive withdrawal fees
  • Safe and secure savings – Funds are insured by the NCUA up to $250,000
  • Special Money Market checks available


Compare Money Market Accounts


 Maximum Money Market™ Classic Money Market
Minimum Balance to Earn Dividends $.01 $2,000
Dividend Type Variable
Paid Monthly		 Fixed
Paid Monthly
Maximum Dividend 3.04% APY* for balances over $1,000,0002

Or, 3.00% APY for all balances over $50,000 with 6-Month Promo Rate3		 0.15 % APY* for balances over $50,0001
Monthly Service Fee $0 $0
$15/month if balance is below $2,000
Transaction Limits No excessive withdrawal fees
Availability Personal, Business, and Fiduciary membership types

More Maximum Money Market Details More Classic Money Market Details

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Ready to maximize your savings?

Open a Maximum Money Market Account Online

Open a Maximum Money Market Account in a Branch

To apply in person, visit a branch near you.

Current Members Choice members, you can “Quick Apply” for a new Maximum Money Market account in online banking or your mobile app. Login(Opens in a new Window), and select the "Quick Apply" menu, then click on "Open an Account, CD or Loan" to get started (you may need to click on the “More” button to view).

Requirements

  • Available to all new and existing memberships—personal, business and fiduciary
  • No direct deposit requirement
  • No minimum balance requirement
  • Limit of one account per membership












Disclosures 


*Annual Percentage Yield (APY) is accurate as of January 24, 2025. Rates may change at any time without notice, before or after the account is opened. Fees could reduce earnings on the account. Minimum opening balance is $0. Minimum to earn dividends is $0.01.  View complete list of deposit disclosures and Fee Schedule.

 

1 Classic Money Market Dividend Rates:The Fixed Dividend Rate and Annual Percentage Yield for the balance tier may change at any time without prior notice. Classic Money Market accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. View complete list of balance tiers.

 

2 Maximum Money Market Dividend Rates: The Dividend Rate and Annual Percentage Yield for the lowest balance tier can change as determined by the Board of Directors. The Dividend Rate, Annual Percentage Yield, and Margin, for the other balance tiers will be adjusted at the sole discretion of the Credit Union on the first of the month following a change to the index, Wall Street Journal Prime (WSJP). The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. Rate tiers, with the exception of the first tier, will have a floor rate of no less than 0.50% Annual Percentage Rate. Maximum MMAs, Classic MMAs, and Savings accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account.  WSJP 7.50% -Current WSJP effective as of December 20, 2024. Variable dividend rate is adjusted on the first day of each month following a change in the index.

 

3 To be eligible for the Maximum Money Market Promotional Rate, new money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening. “New Money” is defined as funds transferred from another financial institution via ACH, cash, or check. Checks or transfers from other Members Choice accounts do not qualify as “New Money.” At any time, we may waive the New Money requirement for the Promotional Maximum Money Market Account rate. If $50,000 New Money is not deposited within twelve (12) days of account opening, the standard rates and APYs for Maximum Money Market Account apply. APY will remain in effect for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current standard APY for the Maximum Money Market Account applicable tier. Promotion may end at any time.
 
The Maximum Money Market is available to all of the following new and existing membership types – personal, business and fiduciary. At our sole discretion, the number of Maximum Money Market Accounts per member may be limited.
 

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.