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In observance of Independence Day, all ACU offices will be closed on Monday, July 4, 2022.  ATM's, online and mobile banking are available 24/7.  

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      Money Market Account

      • Write up to three checks per month without a penalty.
      • Make up to three non-check withdrawals per month.
      • Authorize up to six pre-authorized drafts per month.
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      a money market account from america's credit union earns you more - elderly couple smiling

      Money Market Account Features

      An America's Credit Union Money Market Account is similar to a Checking Account however it pays a higher interest rate as long as you maintain a minimum balance of $1,000.

      If your Checking Account typically has a balance over $2,500 you may want to consider opening a Money Market Account to earn interest.

      You can open a Money Market Account with an initial deposit of $2,500. As long as your balance stays over $1,000 you’ll continue to receive interest on your funds. There are no monthly service fees unless your account balance drops below $500.

      A Money Market Account is not the type of account you pay your daily bills from. It’s designed as a way to keep a sizeable amount of savings available so you can write a sizeable check at any time.

      • Write up to three checks per month without a penalty.
      • Make up to three non-check withdrawals per month.
      • Authorize up to six pre-authorized drafts per month.
      • Receive low-cost custom Money Market checks.
       
      the best money market rates from america's credit union can help you save - jar of change spilling out

      Money Market Account Rates 

      Account Type Minimum To Earn Dividend Dividend Rate Annual Percentage Yield (APY)*
      TEXT
      Money Market
      TEXT
      $1,000 - $9,999.99
      TEXT
      .050%
      TEXT
      0.05%
      TEXT
      Money Market
      TEXT
      $10,000 - $24,999.99
      TEXT
      .100%
      TEXT
      0.10%
      TEXT
      Money Market
      TEXT
      $25,000 - $299,999.99
      TEXT
      .100%
      TEXT
      0.10%
      TEXT
      Money Market
      TEXT
      $300,000 and above
      TEXT
      .150%
      TEXT
      0.15%
      Effective May 1, 2021
      Account Type

      Money Market

      Minimum To Earn Dividend

      $1,000 - $9,999.99

       Dividend Rate

      .050%

       Annual Percentage Yield (APY)*

      0.05%
      Account Type

      Money Market

      Minimum To Earn Dividend

      $10,000 - $24,999.99

       Dividend Rate

      .100%

       Annual Percentage Yield (APY)*

      0.10%
      Account Type

      Money Market

      Minimum To Earn Dividend

      $25,000 - $299,999.99

       Dividend Rate

      .100%

       Annual Percentage Yield (APY)*

      0.10%
      Account Type

      Money Market

      Minimum To Earn Dividend

      $300,000 and above

       Dividend Rate

      .150%

       Annual Percentage Yield (APY)*

      0.15%
      Effective May 1, 2021

      * Fees could reduce the earnings. Rate/Yield on the above account is subject to change daily. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings Disclosure.

      Money Market Account Resources

      Budget ebook cover and spineBudgeting Your Savings

      It’s essential that you have good budgeting habits to increase your savings. Whether you’re budgeting and saving for a one-time event like a wedding, saving for a major life change like having a baby, or getting better at managing daily spending and saving in general, this eBook will help!

      Full of budget templates and tips about creating a budget and tricks for sticking to it, this guide is essential for your future saving goals. With some organization and a good plan, you’ll be adding deposits to your Savings Account regularly.

      Free eBook
      money market account savings can help cover retirement costs like taxes tax document

      The Impact of Taxes in Retirement

      [BLOG POST] A recent Nationwide Retirement Institute survey finds nearly two in five retirees (37 percent) admit they did not consider how taxes would affect their retirement income when planning for retirement.

      As a result, they may have lost the opportunity to save an additional six years' worth of income in retirement. Read more...

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      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
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