Money Market Account

Grow your balance faster with this Money Market Account than with a traditional savings account. Access your money whenever — no restrictions

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Young Civic Credit Union member happy with his high interest Money Market account.

Earn

Higher dividends¹ than traditional savings account

Access

Get direct deposits up to 3 days early²

Spend

Use digital transfers or checks

Save faster with this Money Market Account

Step up your savings with a credit union money market account from Civic. Earn higher dividends than a traditional savings account with no restrictions or penalties. That means total access to your money with digital transfers or checks. It’s a way to help you grow your money faster — you decide when to spend it.

Senior couple smiling while using Civic Credit Union app to earn and spend with their Money Market account.

Terms

Make your money work harder

Open a money market account with $250 or more
Earn 2.01% APY¹ when you maintain a $250 balance or more
Dividends are compounded daily and paid monthly
Account can be used as overdraft transfer option³

Features

Get money faster

Access direct deposits up to 3 days early
Unlimited debits and credits
Use funds with digital transfer or checks
Higher dividend savings option than Select Savings Account

Ready to open?

Open this Money Market Account today and save more, faster

open today

Life is digital

So are these everyday financial tools

Graphic of bills that shows how easy it is to use bill pay.

Pay bills from anywhere or schedule them in the app

Send and receive money - fast, safe, and easy

Civic Credit Union app graphic that displays the budgeting tool available to you as a member.

See your Civic and non-Civic accounts in one place

A woman sits on the floor with her dog by her side, checking the growth of her Civic Choice Certificate account on her phone.

Choice Certificates

Choice Certificates help you save more in stable and predictable ways.

$250 minimum opening as a one-time deposit
Our best deposit rates and yields based on time period
6- to 60-month terms for predictable growth
Reinvest dividends or take monthly payouts

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Steady Save Savings Account

Save at your own pace for any goal! Automate your savings for that vacation, a new vehicle or more!

Automatic savings using your small, affordable steps
Select how much and how often to save
Choose an annual date for funds to distribute to your Select Savings Account
Dividends compound daily, paid monthly

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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 this account?

Yes. We will get you started with one box of complimentary checks for your account. 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 a Bonus 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 debit card. You can also electronically transfer funds from another online account security, and 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 (053185723).

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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Open this Money Market Account to save faster (and spend whenever)

Take your savings to the next level with a Civic Money Market Account. Earn higher dividends than a traditional savings account and spend when you want. It’s the best of both worlds!

open today

¹APY = Annual Percentage Yield. Minimum opening balance is $250. APY of 2.01% is paid on balances of $250 or above. Dividends are compounded daily and paid monthly when balance requirement is equal to or greater than $250. A $2 monthly maintenance fee is charged when account balance drops below $250.

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 or transfer fees. Members may also apply for an overdraft line of credit from which transfers are made in increments of $50 up to available limits.