Save More to Earn More
The more you save, the more you’ll earn!
Putting away money for retirement? Just need a basic savings account to keep your money in the best place possible?
Earn up to 2.02% APY* with a money market account that racks up more dividends when your balance reaches certain levels.
**Co-Op Network surcharge-free ATMs must show CO-OP ATM logo. ATM transactions made outside of MCU ATM network or CO-OP ATM Network may be subject to fees. Please visit our online ATM Locator for a list of surcharge-free ATMs.
Features & Benefits
- No monthly maintenance fees
- Higher dividends on higher balances
- 24/7 access
Manage your funds online, at over 30,000 fee-free ATMs, or write a check - No Minimum Opening Amount Required
Today's Rates
*APY=Annual Percentage Yield.
Money Market Account: The dividend rate and APY may change weekly as determined by Municipal Credit Union. There are no limitations on the amount the rate can change. You must provide and maintain minimum opening deposits and/or minimum daily balances in order to earn the APYs stated above, if so indicated.
The Annual Percentage Yield ("APY") reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
This is a variable rate account, and the rate may change after the account is opened. The dividend rate and APY may change monthly as determined by Municipal Credit Union.
Minimum Opening Deposit as shown per account.
Fees and other conditions could reduce earnings. The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.
Get Rewarded for Growing Your Nest Egg in an MCU Money Market Account.
Combine all the benefits of a high-yield savings account with the flexibility of easy withdrawals and check writing.
Unlike most long-term savings options that don’t allow you to touch your balance while you save, a money market account lets you make deposits (and withdrawals) as you’re able—rewarding you with more dividends for each savings tier you reach.
Mobile Banking
With easy-to-use features, you can ensure your goals are met while managing your finances conveniently from anywhere.
No Matter Where You Are in Life, We’re Right There with You
At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.
That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.

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