Money Market Savings

When you’re ready to take your savings further, a money market savings account helps your balance earn higher dividends as it grows—without sacrificing access to your funds. Enjoy flexible withdrawals and competitive rates designed for steady progress. It's an simple, effective way to strengthen your financial health over time.
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Quick Facts

What sets our Money Market Savings account apart

Step up to an insured deposit account that accelerates saving with higher dividends as your balance grows.

  • Open with a $1,000 minimum deposit
  • Competitive tiered rates
  • Up to six free withdrawals per statement cycle
  • Additional withdrawals $2
  • Monthly service fee ($7) is waived with a minimum daily balance of $1,000
  • Funds federally insured up to $250,000
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Get started

Start growing your savings with more flexibility

Open a Money Market Savings account to make your money work harder for you. It’s a straightforward way to build savings while keeping your money accessible when it matters most.

Open as a new member
Log in to add an account
Tiered Dividends

Higher dividend rates and annual percentage yields (APY) as your balance grows.

Tiered dividends mean that as your balance grows, so does the interest earned. Dividends are calculated using the daily balance method. Your balance tier determines the daily dividend rate and APY on the daily account balance. The rate is variable and may change at any time after the account is opened. Fees could reduce dividend earnings.

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Supported savings

Saving for a financially healthy future

This account is ideal for building savings you may still need to access, like an emergency fund or short-term goals. By allowing limited withdrawals, it helps you stay prepared without sacrificing progress. Over time, your account supports stronger financial stability by balancing growth with access.

Money Market Savings rates

Rates effective as of 08-14-2026

Account balance Dividend rate APY
$0.00 - $499.99 0.30% 0.30%
$500.00 - $999.99 0.50% 0.50%
$1,000.00 - $9,999.99 1.49% 1.50%
$10,000.00 - $89,999.99 1.74% 1.75%
$90,000.00 and up 2.09% 2.11%

Disclosures

The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts. Balance tier determines daily dividend rate and annual percentage yield on the daily account balance. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center at 1-800-688-7228. Money Market Account requires a minimum opening balance of $1,000. Up to six free withdrawals permitted each monthly statement cycle. Each additional withdrawal $2. * Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.
Your money is safe here

Credit Human deposit accounts are federally insured through the NCUA

As a Credit Human member, your deposits—checking, savings, certificates and IRAs—are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance below to maximize your coverage, estimate your coverage online or call our Member Service Center for further information on your insured funds.

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