Money market accounts are among the most popular choices for any investor. You’ll earn interest based on your balance and your funds are liquid so you can withdraw them at anytime without penalties.* Select from one of our five money market accounts—the more you invest, the higher interest rate you earn.**

Flexible Money Market Account
The five-tiered, Flexible money market account is ideal for those who like earning the best money market rate possible without having to manage the account. Each day, you will earn dividends at the highest possible rate for your balance.


Self-managed Money Market Accounts
Members who prefer to self-manage the movement of their money market funds among our Sterling, Premiere, Premiere Plus, and Jumbo accounts will earn our highest money market rates.*** To qualify for the Jumbo account, a TCU checking account is required with a Direct Deposit of at least $500 each month. Without a checking account and $500 monthly Direct Deposit, the account earns 50 less basis points. A balance that falls below the minimum requirement to earn any stated rate earns a rate of 1% APY.
 

Money Market Accounts	BALANCE TO EARN	TODAY'S APY
Flexible MMA Minimum balance to open is $1,000	$0 to $7,499.99 $7,500 to $24,999.99 $25,000 to $49,999.99 $50,000 to $74,999.99 $75,000 and higher	Rates
Sterling	$25,000 and higher $0 to $24,999.99
Premiere	$50,000 and higher $0 to $49,999.99
Premiere Plus	$75,000 and higher $0 to $74,999.99
Jumbo (w/checking and $500 DD) (w/o checking, rate drops 50 basis points)	$100,000 and higher $0 to $99,999.99

*Unlimited withdrawals refer to in-person transactions only. Federal regulations limit the number of withdrawals or pre-authorized, automatic transfers made to third parties, other TCU accounts, or telephone orders to cover overdrafts on your checking account to no more than six transactions per month. No more than three of these six transactions may be made by check, draft, or similar order to a third party. If these limits are exceeded in any given month, your account will be subject to an Excessive Transaction Fee of $15. Excessive, continuous violation of the transaction limits will close the money market account and the funds will be transferred to an account that allows more transactions.

** We offer five money market account options: Flexible, Sterling, Premiere, Premiere Plus, and Jumbo. Each account has specific minimum balance requirements to open and to earn the posted dividend rate. Each day, funds in the Flexible money market account will earn dividends based on your balance. A Flexible money market account balance of less than $100 for more than 90 days will close the account and the funds will be placed in the account holder’s Primary Share account.

*** With all TCU money market products except the Flexible account, the credit union will not automatically adjust your dividend rate. You must make a request and initiate the change with the credit union. Upon receipt of your signed request, your account will be converted. Higher dividend rates and balance requirements are not retroactive, but are effective from the date of conversion.