Money Market
Earn higher returns while keeping your money available
Money Market Account
Money market accounts are the ideal blend of higher earnings and greater accessibility. You’ll enjoy the advantages of higher dividend rates than a standard savings account with the flexibility to withdraw funds anytime.1 These accounts are designed for members who prefer to keep their consistent large savings balance liquid. Plus, there’s no minimum withdrawal dollar amount!
Minimum opening deposit of $2,500
Earn dividends on balances greater than $2,5002
No monthly service fee
Higher dividend rates for higher balances
Dividend rates increase when your Money Market account reaches $25,000 and again at $50,000
Easy access to your money
Access your money with no minimum withdrawal amounts1
Checks available for easy access
Premium Money Market Account
Minimum Opening Deposit of $100,000
Earn Premium Dividend Rates on Balances Greater than $100,0003
Available on Money Musketeer and Dinero Memberships
Create a college fund for your children or grandchildren by adding a Premium Money Market account to their existing Money Musketeers or Dinero Teens membership.
No monthly service fee
Easy access to your money
Access your money with no minimum withdrawal amounts1
Checks available for easy access
More Investment Choices
Savings Certificates
If you’re trying to reach a specific savings goal and have money available for long-term investments, our high-rate savings certificates will help you get the most out of your deposits. Our flexible saving certificate terms are flexible enough to fit within any investment strategy.
Current Rates
| Money Market Type | Minimum Balance to Open and Earn | Dividend Rate | APY |
|---|---|---|---|
| Money Market | $2,500.00 | 0.46% | 0.46% |
| Money Market | $25,000.00 | 0.51% | 0.51% |
| Money Market | $50,000.00 | 0.56% | 0.56% |
| Premium Money Market | $100,000.00 | 1.21% | 1.22% |
| Business Money Market | $2,500.00 | 0.46% | 0.46% |
| Business Money Market | $25,000.00 | 0.51% | 0.51% |
| Business Money Market | $50,000.00 | 0.56% | 0.56% |
Money Market dividend rates and corresponding Annual Percentage Yields (APYs) are current prospective rates and yields as of 12/21/2024 CST, and may change without notice. APY = Annual Percentage Yield. Fees may reduce earnings. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.
The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category.
Frequently Asked Questions about Money Market
Our money market accounts do not feature automatic movement of your funds into different account types. Please contact your local branch or our Member Service Center at 800.322.2709 to request moving your funds and open a different account type.
Any combination of the following transactions count toward the six (6) transfers and withdrawals limit per calendar month:
- Any transfer from your money market account to any other Advancial account that is made through the following services:
- cuAnywhere® Online Banking
- The Advancial Mobile App
- Automated Telephone Banking Service
- Overdraft transfers
- Wires
- Member Service Center
- Fax
- Any pre-authorized automatic withdrawal (ACH/EFT) or any check to a third party.Transactions in excess of six (6) may be refused and may be subject to a fee as disclosed in the Account Services & Fee Schedule, or possibly another institution’s fee.
The following transactions are not subject to the Regulation D limits:
- ATM withdrawals and transfers
- Withdrawals and transfers made in person
- Transfer requests received by mail
- Transfers to pay an Advancial loan or credit card
A minimum daily balance of $2,500 is required. A minimum daily balance of $100,000 is required for a Premium Money Market account. If your balance falls below this amount, your balance may no longer earn dividends as disclosed in our Account Services & Fee Schedule.
There is no minimum withdrawal amount on the money market account.
Yes, you can open a money market account with cuAnywhere® Online Banking or the Advancial Mobile App.
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Accounts > Open New Account
- Select Money Market and follow the steps provided
Yes, these payments are considered pre-authorized automatic withdrawals (ACH/EFT) and count toward the federal Regulation D limited transactions. Any withdrawal attempted beyond the monthly federal Regulation D limit will not be honored.
Simply click here and enter Advancial’s routing number (311078857), enter the account number you’d like to order checks for and your zip code.
You may also contact your local branch, our Member Service Center or order them in cuAnywhere® Online Banking.
To order through cuAnywhere®:
You may also contact your local branch, our Member Service Center or order them in cuAnywhere® Online Banking.
To order through cuAnywhere®:
- Log in to cuAnywhere® Online Banking
- Select Manage > Order Checks
- Select the account in which you’d like to order checks
- Fill out the information on the check order page you’re redirected to
Please contact your local branch or our Member Service Center at 800.322.2709 for assistance in closing your account. Drawing your account balance to $0 does not close the account and your account may be subject to a monthly Inactive/Dormant Account fee as disclosed in the Account Services and Fee Schedule.
Please contact your local branch or our Member Service Center at 800.322.2709 for assistance in closing your account. Drawing your account balance to $0 does not close the account and your account may be subject to a monthly Inactive/Dormant Account fee as disclosed in the Account Services and Fee Schedule.
Yes, you can make withdrawals and transfers at an ATM. Withdrawals and transfers at an Advancial ATM are free. Withdrawals and transfers made at a non-Advancial ATM may incur an ATM surcharge fee imposed by the ATM owner/operator.
Your first three withdrawals/transfers of each calendar month are free. After that, each withdrawal/transfer after the first three during any calendar month is subject to a fee as disclosed in our Account Services & Fee Schedule. Withdrawals and transfers made at a non-Advancial ATM may incur an ATM surcharge fee imposed by the ATM owner/operator.
You may close your money market account at any time without penalty. If you close your market before dividends are paid, you will not receive the accrued dividends. Dividends are paid monthly on the last day of the month.
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1
Federal Regulation D limits the number of withdrawals or transfers members can make from any savings or money market account to a maximum of six (6) per calendar month.
2
Dividends will not be earned below the minimum balance of $2,500.
3
Dividends are not earned on balances below the minimum balance of $100,000.
