Grow savings with flexibility.
Whether you’re building an emergency fund or saving for a particular purchase, an AmeriCU Money Market savings account is a great way to get you closer to your financial goals. You can also withdraw on the funds at any time.
Watch your money bloom, with flexibility!
What AmeriCU’s High Rate Money Market account has to offer:
- Higher earning potential – Earn up to 3.00% APY* and put your savings to work with competitive rates.
- Easy access to funds – Provides liquidity, so you can access your money when you need it.
- Check-writing and debit card access – Convenient ways to use your funds.
- Flexibility without penalties – Funds aren’t tied up for a set term or subject to early withdrawal penalties.
- Ideal for larger balances – Well-suited for emergency funds, short-term goals, or higher-dollar savings.
- Safe and secure – Deposits are protected while still earning a competitive return.
Why Choose a Money Market Account?
With AmeriCU’s High Rate Money Market, you don’t have to choose between earning more and staying flexible – you get both! Unlike traditional savings accounts that typically earn very little, a money market account rewards higher balances with greater earning potential.
View Current Rates
Money Market Perks
Easy Online Access
When you use Online + Mobile Banking, available on desktop or through the AmeriCU app.
Greater Flexibility
Add money whenever you want or withdraw whenever you need!
Better Rates
Our Money Markets feature some of our best dividend rates available!
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AmeriCU’s share certificates are some of our highest yield deposit options. You’ll enjoy great rates, a wide variety of terms, and the freedom of investment flexibility.
Retirement Savings Accounts
Enjoy a variety of investment options to meet long, medium, or short-term retirement needs with an Retirement Savings Account, more commonly known as an Individual Retirement Arrangement, or IRA.
Financial Planning
If growing funds is your goal, investing may be the right path for you. Let AmeriCU Investments’ Financial Professionals work with you to plan for life’s biggest moments and the goals you have for your financial future.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
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*Annual Percentage Yields (APYs) accurate as of 4/1/26 and are subject to change without notice. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier. To earn the premium APY you must be enrolled in e-statements and have a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle. If all requirements are met you will earn the premium APY: $0.01 – $9,999.99: 0.25% APY, $10,000.00 – $24,999.99: 1.25% APY, $25,000.00 – $49,999.99: 1.50% APY, $50,000.00 – $99,999.99: 2.00% APY, $100,000.00 – $249,999.99: 2.50% APY, $250,000.00 – $999,999.99: 2.75% APY, $1,000,000.00 and over: 3.00% APY. If requirements are NOT met: $0.01 – $9,999.99: 0.25% APY, $10,000.00 – $24,999.99: 0.40% APY, $25,000.00 – $49,999.99: 0.50% APY, $50,000.00 – $99,999.99: 0.60% APY, $100,000.00 – $249,999.99: 0.80% APY, $250,000.00 – $999,999.99: 0.90% APY, $1,000,000.00 and over: 1.00% APY. Membership eligibility required. Insured by NCUA.