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Money Market Account

Opening a Money Market Account with Civic is Simple and Easy
Money Market Account

It’s the best of both worlds

With Civic FCU, get early access1


Get dividends that are compounded daily


Receive direct deposits up to 3 days sooner1


Use checks as an additional way to access funds

A Money Market Account that works for you

Get the best parts of a savings and checking account in one place. The Money Market Account earns dividend rates higher than regular savings accounts, with no access restrictions. Get your money anytime by digital transfer, or even by writing a check. And you get early access to your direct deposits, up to 3 days faster.

It's savings. It's checking. It's the best of both worlds.

Manage High Yield Money Market Account Online

Make your money work harder

  • Open an account with $2502
  • Earn 2% dividends when your balance remains at or above $2502
  • Dividends are compounded daily and paid monthly
Money Market Terms

Get money faster

  • Access direct deposits up to 3 days early1
  • Unlimited debits and credits
  • Account can be used as an overdraft transfer3 option
Money Market Features

Earn with access

  • Higher dividend savings option vs. Select Savings Account
  • Flexible access with checks or digital transfers
  • No access restrictions
Money Market Benefits

Get higher dividend options using a specific savings time frame with a Choice Certificate.

Choice Certificate

Choose your term and what you will earn.

  • Fixed-rate dividends
  • Personalized maturity dates
  • Automatic dividend deposits
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You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

View All FAQs


1 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.

2 APY = 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.

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.