Grow your savings with a Money Market Account.
Find your perfect fit. Choose the UCU Money Market account that fits your goals.
Money Market Plus
Earn more for banking more.
Our highest money market rates are designed for members who make UCU their primary financial institution. Ideal for those with larger balances, direct deposit, and active checking accounts, this account rewards everyday banking relationships with premium yields.
Key features:
- Earn up to 3.25% APY*
- Higher rates on larger balances1
- Flexible qualifying deposits
- Monthly dividends2
- Easy access to funds
Money Market Plus Rates
Balance Tier
Annual Percentage Yield (APY)
Checking Account Required?
$250,000+
3.25%
Yes
$100,000+
3.00%
Yes
$50,000+
2.70%
Yes
$25,000+
2.50%
Yes
$25+
0.05%
No
Money Market Advantage
A smarter way to start saving.
Designed to help members build their savings from the ground up. Strong rates on lower balances make it easier to grow savings from day one.
Key features:
- No checking account required
- No direct deposit requirement
- Earn up to 2.00% APY3
- Monthly dividends4
- Easy access to funds
Money Market Advantage Rates
Balance Tier
Annual Percentage Yield (APY)
$25 – $2,000
2.00%
$2,000.01 – $5,000
1.50%
$5,000.01 – $10,000
1.00%
$10,000.01 – $50,000
0.25%
$50,000.01 – $100,000
0.20%
$100,000.01+
0.15%
Frequently asked questions
- What's the difference between Money Market Plus and Money Market Advantage?
Both accounts are money market accounts that pay monthly dividends and offer an alternative to a High Yield Savings account. The primary difference is how you qualify for the best rates.
Money Market Plus
- Rewards members who actively use a UCU checking account.
- Requires a UCU checking account and at least $1,000 in qualifying monthly deposits to earn relationship rates.
- Offers higher rates for larger balances when qualification requirements are met.
Money Market Advantage
- Does not require a checking account or direct deposit.
- Uses a reverse-tier rate structure designed to reward members building their savings.
- Offers its highest rates on lower balance tiers.
- Which account is right for me?
Money Market Plus may be a better fit if you:
- Use UCU as your primary financial institution.
- Have regular deposits coming into your UCU checking account.
- Want to maximize earnings on higher balances.
Money Market Advantage may be a better fit if you:
- Are building your savings.
- Don't want checking account requirements.
- Want a competitive rate without maintaining monthly deposit activity.
- Do I need a UCU checking account?
- Money Market Plus: Yes. A UCU checking account is required to qualify for the account.
- Money Market Advantage: No. A checking account is not required.
- Do I need direct deposit?
Money Market Plus: No. Direct deposit qualifies, but it is not required. Members can meet qualification requirements with any combination of eligible deposits totaling at least $1,000 per month.
Money Market Advantage: No direct deposit or recurring deposit requirement applies.
- What deposits count toward Money Market Plus qualification?
Qualifying deposits include:
- Direct deposit
- ACH transfers
- Zelle® transfers
- Venmo® transfers
- PayPal® transfers
- Cash deposits
- Check deposits
- Wire transfers
Members must receive at least $1,000 in aggregate qualifying deposits into their UCU checking account each month.
- What deposits do not qualify for Money Market Plus?
The following do not count toward the monthly deposit requirement:
- Internal UCU-to-UCU transfers
- Chargebacks
- UCU promotional incentive payments
- What is reverse-tier pricing?
Reverse-tier pricing means the highest dividend rates are paid on lower balances. This structure is designed to help members who are actively building their savings earn more on the money they're saving.
- What is the minimum opening deposit and minimum balance requirement?
Money Market Plus: Requires a minimum opening deposit of $1,000. Requires a minimum balance of $25.
Money Market Advantage: Requires a minimum opening deposit of $100. Requires a minimum balance of $25.
- Can I access my money when I need it?
Yes. Both accounts are money market accounts designed to provide access to your savings while earning dividends. Money Market Advantage specifically allows transfers into and out of the account.
- Who can open these accounts?
Both accounts are available for:
- Personal memberships
- Trust memberships
- Minor memberships
- Which account offers the highest potential earnings?
That depends on your banking relationship and balance.
Members with larger balances who actively use a UCU checking account and receive qualifying monthly deposits may benefit most from Money Market Plus.
Members focused on building savings balances without checking account requirements may benefit from Money Market Advantage. - Why is UCU offering two different money market accounts?
Every saver's needs are different. Money Market Plus rewards members who use UCU as their primary financial institution and maintain qualifying deposit activity, while Money Market Advantage is designed for members who want to grow their savings without checking account requirements. Together, these options allow members to choose the account that best matches their financial habits and savings goals.
Open your money market in digital banking!
If you are already a UCU member-owner and wish to open a Money Market Plus or Advantage account, log in to your UCU digital banking account, select 'Menu', then 'More', and submit the secure Money Market request form to our team. For further assistance, call us at 800.UCU.4510.
Not a member? Click the link below and become one today!
Celebrating our 75th Anniversary
Honoring our past and delivering for the future.
Founded in 1951, UCU began with a simple yet powerful belief: financial services should be built around people, not profit. Celebrate with us all year long with giveaways, events, and special offers.
*APY = Annual Percentage Yield. Rates effective 08/01/2026 and subject to change before or after account opening without notice. Money Market Plus is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are contingent upon meeting the checking account requirements described below. Rates are accurate as of the last dividend declaration date. Click here for Money Market Plus detailed disclosures.
1Minimum opening deposit is $1,000. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly.
2To earn the advertised dividend rate and APY, members must: Maintain an active University Credit Union (UCU) checking account under the same member number; and receive Qualifying Deposits totaling at least $1,000 during each calendar month. Qualifying Deposits include direct deposits, ACH credits, Zelle, Venmo and PayPal transfers, cash and check deposits, and incoming wire transfers. Transfers between UCU accounts under common ownership, chargebacks, and UCU promotional incentive payments do not qualify. If these requirements are not met during a calendar month, the account will earn the default dividend rate and corresponding APY in effect for that month (currently 0.05% APY). Members who meet the requirements will earn the dividend rate and APY applicable to their balance tier. The dividend rate and APY for the applicable balance tier will be paid on the entire account balance. All rates and terms are subject to change without notice. Refer to the Schedule of Fees and Charges for additional information. For complete account details, including limitations, see the Money Market Plus Account Overview and applicable account agreements.
3APY = Annual Percentage Yield. Rates effective 08/01/2026 and subject to change before or after account opening without notice. Money Market Advantage is a variable-rate account. Rates vary by balance tier, apply to the entire account balance, and are accurate as of the last dividend declaration date. Click here for Money Market Advantage detailed disclosures.
4Minimum opening deposit is $25. Fees may reduce earnings. Dividends are calculated daily, compounded monthly, and paid monthly. Once the account balance qualifies for a tier, the corresponding dividend rate and APY will apply to the entire account balance. All rates and terms are subject to change without notice. Refer to the Schedule of Fees and Charges for additional information. For complete account details, including limitations, see the Money Market Advantage Account Overview and applicable account agreements.