Grow your money while keeping it within reach. A Money Market Account helps you earn more on short-term savings, without giving up flexibility.
With a competitive variable APY that grows your money faster than regular savings.
Ready to withdraw when you need it.*
Earn more as you grow, with tiered rates on higher balances.
Higher yield without the risk of other investments.
No monthly fees on balances $1,000+.
Access your account any time through Digital Banking.
A smart way to save
A Money Market account is a great choice when you want your money to work harder, but still need the freedom to access your funds at any time. It blends safety, accessibility and higher rates to help you do more with your short-term savings.
A Money Market is a great fit for:
| Account Balance | Rate | APY* |
|---|---|---|
| $0 - $1,999.99 | 0.25% | 0.25% |
| $2,000 - 9,999.99 | 1.24% | 1.25% |
| $10,000 - 24,999.99 | 1.49% | 1.50% |
| $25,000 - 74,999.99 | 3.20% | 3.25% |
| $75,000 - 199,999.99 | 3.45% | 3.50% |
| $200,000 and over | 3.45% | 3.50% |
| *APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after account opening. You must maintain the minimum daily balance required to earn the applicable APY. Fees listed on the Fee Schedule could reduce earnings on the account. You may forfeit dividends if you close any dividend-bearing account before accrued dividends are credited. All dividends are calculated using the daily balance method and are compounded daily and credited on the last day of each month. This account requires a $1,000 minimum opening deposit. This account is subject to a monthly fee if its balance falls below $1,000 at any time. See fee disclosure for details. APY is accurate as of the last dividend declaration date. | ||
Looking to earn even more on longer-term savings? Check out our Certificates of Deposit (CDs).
When you open a Money Market account with Holy Rosary Credit Union, you’re doing more than growing your own savings. As a member‑owned, not‑for‑profit financial cooperative, the money you entrust to us helps strengthen the entire community.
By saving with HRCU, you are also supporting opportunity for individuals and families working toward important goals—like starting a small business, buying a home, or reducing debt. It’s one way your financial choices can create wins for your future, your neighbor, and our community.
MULTIPLY your impact with a
*APY = Annual Percentage Yield. APY assumes dividends are reinvested and that the rate remains the same for one year. The APY is variable and may change after the account is opened. You must maintain the minimum daily balance required to earn the applicable APY. Fees listed on the Fee Schedule could reduce earnings. Dividends may be forfeited if the account is closed before accrued dividends are credited. Dividends are calculated using the daily balance method, compounded daily, and credited on the last day of each month.
The Money Market Account requires a $1,000 minimum opening deposit. A $3 monthly fee applies if the balance falls below $1,000 at any time. Up to six free transfers are permitted per month; a $3 fee applies for each withdrawal over six. Rates are subject to change—see the rate table or call for current rate information.
Join a credit union that truly puts its members first. With competitive rates, a commitment to financial education, personalized support in several languages, and a deep dedication to this community, we are here to help you achieve your financial goals.
