Rates current as of September1, 2026
$10 monthly fee is waived when you maintain a $1,000 minimum daily balance.
Money Market Accounts
| APY* | Min. Amount |
|---|---|
| .20% | $0.01 - $9,999.99 |
| .30% | $10,000 - $24,999.99 |
| .45% | $25,000 - $49,999.99 |
| .70% | $50,000 - $99,999.99 |
| 1.05% | $100,000 - $249,999.99 |
| 1.40% | $250,000 and over |
*APY = Annual Percentage Yield, which is an estimated annualized rate of return that considers both the dividend rate and frequency of compounding. $10 monthly service charge waived with $1,000 minimum balance. Dividends will begin to accrue on non-cash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividends are prospective. In case of early withdrawal or fees, earnings could be reduced. The rate, APY, and service cost schedule may change at any time without notice. Other investments are also available. Call (480) 756-5500 for more information.
**There is no charge from First Credit Union for our digital banking app, text banking, or remote check deposit. Regular internet access charges, messaging charges, and other rates from your mobile provider still apply.
WHAT IS A MONEY MARKET ACCOUNT?
A money market account is a savings account that typically earns a higher dividend rate than a standard savings account while sill allowing access to your money through withdrawals or transfers.
WHAT DOES APY MEAN ON A MONEY MARKET ACCOUNT?
APY stands for Annual Percentage Yield. It shows the estimated yearly return on your money market account, including the dividend rate and how often dividends are compounded. It helps you compare earnings across savings products.
IS THERE A MONTHLY FEE FOR A MONEY MARKET ACCOUNT?
Yes, there is a $10 monthly service charge. However, this service charge is waived when you maintain a $1,000 minimum balance in your account.
WHAT IS THE MINIMUM BALANCE REQUIRED FOR A MONEY MARKET ACCOUNT?
A $1,000 minimum balance is required to avoid the monthly service charge. Maintaining this balance also helps you maximize the value of the account.
CAN I OPEN A MONEY MARKET ACCOUNT ONLINE?
Yes, for current members you can open additional shares by logging into digital banking and navigating to Products & Offers > Add Account.
If you’d like to become a member, please click Become a Member
