Money Market Accounts
Earn more with competitive Money Market rates and easy access to your money.
Money Market Rates as High as 2.73% APY1
Money Market Rates with Member Advantage¹
Put savings to work with competitive rates
- Higher rate of interest and earning potential.
- No monthly maintenance fees or minimum balance requirements.
- Grow your savings while keeping your money accessible.
Access your money as funds grow
- Tap into your funds with free checks, an ATM card and ACH payments.
- Use your money market account as backup for your checking account.
- Save for emergencies, vacations or other financial goals.
What is a Money Market Account?
A Money Market Account is a savings-style deposit account that helps you earn more while keeping easy access to your funds. Money Market rates are tiered by balance, meaning when you save more, there is a potential for a higher APY. It's how we help support your financial well-being with flexible options at every stage of life.
Today's Money Market Rates
Money Market with Member Advantage1
Effective 7/10/2026
Rate Tiers
$0-$9,999.99
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$10,000-$24,999.99
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$25,000-$49,999.99
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$50,000-$99,999.99
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$100,000-$249,999.99
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$250,000.00-$499,999.99
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$500,000+
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APY
0.35%
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2.02%
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2.32%
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2.38%
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2.48%
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2.58%
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2.73%
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APY = Annual Percentage Yield
Money Market1
Effective 7/10/2026
Rate Tiers
$0-$9,999.99
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$10,000-$24,999.99
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$25,000-$49,999.99
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$50,000-$99,999.99
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$100,000-$249,999.99
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$250,000-$499,999.99
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$500,000+
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APY
0.25%
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0.25%
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0.25%
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0.25%
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0.25%
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0.25%
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0.25%
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APY = Annual Percentage Yield
Tiered Money Market rates grow with your savings
As your account balance grows, your Money Market Account may qualify to earn a progressively higher interest rate. Your rate depends on which balance tier your account falls into each statement period.
For example, balances under $10,000 earn one rate, balances $10,000 to $24,999.99 earn higher rates, and balances $25,000+ access even better rates. Each tier applies to your entire balance — not just the amount above the threshold — benefiting you most when you're building a substantial emergency fund or consolidating deposits.
Is a Money Market Account Right for Your Savings Goals?
If you're building an emergency fund, saving for a major purchase, or looking for a place to keep larger balances, a Money Market Account is a great option. With competitive rates and easy access to your money, your savings can work harder in the background while cash is available when you need it.
Money Market Account FAQs
If you're not a BECU member yet, you'll need to join BECU to get started.
If you're already a BECU member, you can open a BECU Money Market Account in Online Banking.
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Log into your Online Banking account.
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From the top navigation bar, select Open New Accounts and then select Begin.
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Select Money Market Account with Member Advantage or Money Market Account.
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Select Individual or Joint Account.
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Select Yes or No Thanks for Issue ATM Card, then select Continue.
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Choose how you will fund your Money Market Account by selecting the account you'll withdraw money from, and the amount you will deposit into the Money Market account.
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Confirm the amount you wish to deposit in the Money Market account and select Continue.
When you become a BECU Member, you can receive the Member Advantage rates after you have met all the requirements.
With Member Advantage, you'll enjoy even better earnings on your CD, IRA, and Money Market Accounts. Member Advantage also rewards you with a premium rate on the first $500 in both your checking and savings accounts.
Money Market Accounts and savings accounts both allow you to earn interest while keeping your money accessible. The main difference is that Money Market Accounts often use tiered interest rates and may offer higher rates for larger balances, making them well suited for maintaining larger savings balances.
A Money Market Account gives you ongoing access to your funds while earning interest. A Certificate of Deposit (CD) generally offers a fixed rate for a set term but may require keeping funds on deposit until maturity or an early withdrawal penalty may apply.
No, BECU does not require a minimum balance to open or maintain a Money Market Account. While higher balances unlock better rate tiers, you can open with any amount and build savings over time. There are no monthly maintenance fees, regardless of balance.
Yes. BECU Money Market Accounts are insured by the National Credit Union Administration (NCUA), a U.S. government agency that protects deposits at federally insured credit unions. Deposits are insured up to $250,000 per depositor, per ownership category, providing peace of mind that your money is protected within federal insurance limits.
Contact Us for Questions about BECU Money Market Accounts
1Rates in effect as of 07/10/2026. APY = Annual Percentage Yield; rates subject to change, fees may reduce earnings. To open a Money Market Account, you must establish and maintain membership by opening a Member Advantage Savings Account or Member Share Savings Account. Not everyone will qualify.