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Personal and Business Banking

DCU Money Market Savings Account

Money Market

High rate + flexibility = a great option to save.

Earn up to




on balances $100,000 or more

With a DCU Money Market Account, you'll earn dividends that often rival uninsured money market mutual funds. As the money in your Money Market Account grows, you'll automatically earn a higher dividend rate.

Start earning more on your savings with just $1,000!

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DCU Money Market Account balance tiers:

Daily Balance Dividend Rate APY*
$100,000.00 or more 1.75% 1.77%
$50,000.00 to $99,999.99 1.65% 1.66%
$25,000.00 to $49,999.99 1.65% 1.66%
$10,000.00 to $24,999.99 1.55% 1.56%
$1,000.00 to $9,999.99 1.55% 1.56%

Rates are effective .

*Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a savings account would be what you earned at the end of a year if you made a deposit on the first day of the year, did not add to or subtract from the balance along the way, nor withdrew any dividends.

Rates may change after the account is opened and are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on these accounts. Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements for important information and disclosures.

Federal Reserve Regulation D states no more than six (6) pre-authorized, telephone, automatic, or check withdrawals or transfers in any combination are permitted in any calendar month from your Money Market Account.

4.1 out of 5 stars filled

DCU Members rated Money Market 4.1 out of 5 stars

Here's what they're saying:

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    Simple and effective!

    DCU's Money Market is a good Money Market account with simple and effective features, and is backed by DCU's impeccable service, functionality, and ease of use.

    ~ Shriak
    Arlington, VA

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    Very satisfied!

    I was making a large deposit and asked for the highest yield with accessibility and was recommended a Money Market. Very easy and quick to do!!

    ~ Carole
    Hudson, NH

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    Money Market Account January 20, 2018

    DCU had the best rate in town when it came to Money Market and what I was looking for long term. I signed up after only looking at two other banks and realized that DCU was the best place to sign up.

    ~ Jan
    Worcester, MA

Previous videos Next videos
Money Market Account is rated 4.1 out of 5 by 211.
Rated 5 out of 5 by from Safe Investment The Interest percentage is at par with Market average. Some other Banks may offer a little bit better rates, but DCU can be trusted to not have any hidden charges, Flexibility, and excellent support. Moreover one can be happy that your money is making a family buy their Dream Home or Car, and you get a little bit of value for that. Overall, everyone is happy. When all Corporate Banks turned me down, DCU trusted me and made me drive my Dream Car for real. And I paid back the loan with the interest which is very very less compared to all other banks on time, and as a happy person. It's like a community bank, and like a shared account for all of us.
Date published: 2019-08-17
Rated 5 out of 5 by from Super simple to use I love being able to move my money freely through the money market. If I need it, I can access it with ease.
Date published: 2019-07-22
Rated 5 out of 5 by from Great product Long time member of this credit union, always offer higher interest rates.
Date published: 2019-07-13
Rated 5 out of 5 by from Reasonable Value Reasonable value for the idle money instead sitting in the checking account.
Date published: 2019-06-10
Rated 5 out of 5 by from very easy to start on your own. i wanted a good and accessible way to save money and still have control of it. perfect solution. i transferred money from savings and it was started earning interest.
Date published: 2019-06-08
Rated 5 out of 5 by from Interest This product has good interest rate. Great way to save money for a long term and for special occasions
Date published: 2019-06-03
Rated 5 out of 5 by from we like we can get this all at one Credit Union This is great place to bank. It is close to get too. I has good hours also.
Date published: 2019-05-25
Rated 5 out of 5 by from A good option rather than savings account Started taking of the product. Appreciate the customer support for telling about it
Date published: 2019-05-25
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What happen if DCU became bankrupt or decided to close business or natural disaster forced to close the DCU?

What happen if DCU became bankrupt or decided to close business or natural disaster forced to close the DCU? How much minimum or maximum of my available amount I get it back in this situation?
Asked by: Niv
I think there is like a $100000 insurance on all accounts. Their operating model targets reliable customers who can really pay back the loans with steady jobs. And they don't really care about profit. As long as their employee salary needs are met they are fine, they don't have to pay 30 Million dollar as salary to their CEO to oversee an already well in shape business. So, if at all they fail, it will be only after all the Corporate Big Banks.
Answered by: Artanis
Date published: 2019-08-17

Can money market account be closed any time with out penalty?

Asked by: brad
yes, contact DCU to confirm. Its not a CD.
Answered by: Abbie
Date published: 2017-12-08

Are there any requirements to opening a Money Market account? like credit score, etc? I already have DCU checking and savings accounts

Asked by: sophie
If you already have a DCU Savings and Checking, then you may easily open a DCU Money Market by clicking the Open Accounts tab in Online Banking. The only requirement is that you maintain a balance of $1,000 or more to earn dividends.
Answered by: DCU Staff
Date published: 2014-01-18

Can you write physical checks on the Money Market Account?

Asked by: PotentialCustomer
Physical checks are available for the Money Market Accounts. If you would like to place an order please contact our Information Center for assistance.
Answered by: DCU Staff
Date published: 2015-05-02

How is the penalty applied when account balances fall below $1,000?

At what minimum balance is the account closed?
Asked by: Mrbill
The minimum balance needed to earn dividends on a Money Market is $1,000, however, no penalty is assessed if the balance falls below $1,000, just no dividends are earned for those days. The minimum balance needed to keep the account open is $0.01. If the balance maintained is zero, after several months the account will automatically close.
Answered by: DCU Staff
Date published: 2015-02-14
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