Choice Money Market Account

Earn more and grow your savings faster on a Money Market balance of $50,000 or more

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Earn more

Earn 3.05% APY on balances of $50,000 or more¹

Access

Access your funds when you need them

Control

Stay in control of your spending with digital transfers or checks

Big savings, bigger earnings

Earn more with a high-yield Choice Money Market. Balances of $50,000 or more earn an exclusive dividend rate, higher than a traditional Money Market or savings account. Grow your balance faster, and be in control of how you spend it.

💡 Money-saving tip: Move funds from a maturing Choice Certificate to this Choice Money Market to keep up the savings!

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Terms

Open a Choice Money Market account with $250 or more
Accounts with balances of $50,000 or more earn 3.05% APY
Earn 0.50% APY on balances between $250 and $50,000
Accounts with balances under $50,000 will be charged a $10 monthly fee
Dividends are compounded daily and paid monthly
Account can be used as overdraft transfer option³

Features

Access direct deposits up to 3 days early²
Use funds with digital transfer or checks
Higher dividend savings option for higher balances

Ready to open?

Open this Choice Money Market Account today to earn big on your savings

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Choose the right Money Market for you

A Choice Money Market will earn you our best rate on high balances. If you maintain a balance under $50,000, choose our classic Money Market.

0	Balance	APY	Fee
1	$50,000+	3.05%	$0
2	under $50,000	0.05%	$10 a month

Life is digital

So are these everyday financial tools

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Pay bills from anywhere or schedule them in the app

Send and receive money - fast, safe, and easy

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See your Civic and non-Civic accounts in one place

Woman checking her Money Market dividends on the Civic Credit Union mobile app.

Money Market Account

This Money Market Account helps you grow your balance faster than a traditional savings account. Access your money whenever — no restrictions.

Open a Money Market Account with $250
Earn 2.05%APY when you maintain $250 balance or more
Access direct deposits up to 3 days early
Money Market Account can be used as overdraft transfer option

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Jumbo Choice Certificates

Jumbo deposit, Jumbo growth

The Jumbo Choice Certificate is a high-yield savings option for large deposits with guaranteed growth.

Minimum deposit $75,000
Competitive fixed rates
Guaranteed growth, terms of 6 to 60 months
NCUA insured up to $250,000 per member account

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You know the details matter (and you are in good company)

Here are a few FAQs

What if my balance falls below $250?

This account earns you dividends when the balance remains at or above $250. If your Money Market Account falls below the $250 minimum balance, your account won't earn dividends for that month. You will also incur a $2 fee if your account balance is below $250 on the last day of the month. Tip: If you dip below the $250 minimum on a regular basis, the Select Savings Account may be a better fit for you.

Can I write checks with a Money Market account?

Yes. Giving you flexible options for your money is our priority. And there are times when checks are just necessary. Tip: To move funds faster, use mobile or online banking for unlimited transfers.

Are Money Market funds insured?

Yes. Funds in all Civic Money Market Accounts are insured up to NCUA maximums.

Does a Money Market Account have a debit card?

This account has the ability to write checks but does not come with a debit card. Here's a tip: If you need more options to move money, consider opening a Civic Checking Account.

How can I put money into a Money Market?

If you’re opening your account with up to $1,000, it’s easiest to fund it by using your Civic Checking Account. You can also securely transfer funds from another online account, and the transfer will be authenticated within a few business days. Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)

How do I set up direct deposit?

Getting started with direct deposit can be as easy as providing your account number and the Civic routing number (253184537).

Many employers and government entities that provide direct deposit payments will have their own paperwork, so it is vital to check with them first. If there is no set form required by the paying entity and the requirement is only to submit your request in writing, then simply download and complete the Civic Direct Deposit Authorization Form.

Civic Direct Deposit Authorization Form

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The next step in meeting your savings goals

Don't let the savings stop when your Choice Certificate matures. Open a Choice Money Market Account to earn higher dividends than a traditional savings account and spend when you want!

open today

1 APY = Annual Percentage Yield. Rates subject to change. Minimum deposit of $250 to open account and earn dividends. Dividends compounded daily and paid monthly. Service fee of $10 each month balance is below $50,000.

2 Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. We generally post such deposits on the day they are received, which may be up to three days earlier than the payer’s scheduled payment date.

3 Overdraft Transfer Service is available from Checking, Savings or Money Market accounts with no minimum increments. Transfers will incur a $0.50 fee charged to the member's account. Members may also apply for an overdraft line of credit from which transfers are made in increments of $50 up to available limits.