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Money Market Account
Grow your balance faster with this Money Market Account than with a traditional savings account. Access your money whenever — no restrictions
Earn
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 — and you decide when to spend it.
Terms
Make your money work harder
- Open a money market account with $250 or more
- Earn 2.10% 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 early2
- Unlimited debits and credits
- Use funds with digital transfer or checks
- Higher dividend savings option than Select Savings Account
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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 (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.
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!
1 APY = Annual Percentage Yield. Minimum opening balance is $250. Dividends paid on balances of $250 or more, compounded daily and paid monthly. Monthly maintenance fee of $2 charged when account balance is 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.
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