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Well, you’re certainly in the right place. A Delta Community Credit Union Personal Money Market Account is a great way to earn dividends on savings and doesn’t lock you into a fixed rate or long-term commitment. And if you maintain a $1,000 balance, you earn dividends.
Interested in other savings options? In addition to our great rates on Money Markets, we also have high-yield Certificates of Deposit. Take a look at our competitive dividend rates for our full range of interest-bearing accounts.
Yes, but it’s also a lot more. A Money Market Account is a premium savings account that has checking account features. It’s similar to a regular savings account in that you earn interest on the money you’re putting aside. But, it yields at a higher interest rate than a savings account. A Money Market Account provides an additional benefit: the convenience of writing a check which draws from the account itself.
With our Personal Money Market Account, you'll get:
Check out our Savings Calculators.
Your Personal Money Market Account rate increases as you go up tier levels. The more money you add, the more money you’ll get in dividends.
| Tier Rate | Rate | APY* | |
|---|---|---|---|
| $1,000.00 - $9,999.99 | 0.45% | 0.45% |
|
| $10,000.00 - $24,999.99 | 0.50% | 0.50% |
|
| $25,000.00 - $49,999.99 | 0.60% | 0.60% |
|
| $50,000.00 - $99,999.99 | 0.80% | 0.80% |
|
| $100,000.00 - $249,999.99 | 0.85% | 0.85% |
|
| $250,000.00 - $499,999.99 | 0.85% | 0.85% |
|
| $500,000.00 - $999,999.99 | 1.34% | 1.35% |
|
| $1,000,000.00 - and above | 1.98% | 2.00% |
|
View Current Money Market Account Disclosure Supplement
Minimum Opening Deposit: None
Minimum Balance to Earn Dividends: $1,000.00
*APY = Annual Percentage Yield. Rates subject to change. Fees could reduce the earnings on the account.
Delta Community Credit Union’s Personal Money Market Account rates are amongst the highest compared to traditional banks.
| Company | Product Name | APY* | |
|---|---|---|---|
| Delta Community | Money Market | 0.45% |
|
*APY = Annual Percentage Yield. APYs are accurate as of the first day of the current month and are subject to change. Consult the financial institution directly for full product terms and current rates. Rates provided by MyBankTracker.com.
With Delta Community Credit Union’s Personal Money Market Accounts there are no monthly fees.
| Fee Type | Amount | |
|---|---|---|
| Monthly Fee | $0.00 |
|
| Per Check Charge | $0.00 |
|
| Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected. | $15 per presentment |
|
| Stop Payment | $25.00 each |
|
| Copy of Paid Check (trace # provided) | $5.00 each |
|
| Balancing Checking Account | $25.00 month |
|
| Check Printing (per box of 40 checks) | Pricing Varies |
|
| Overdraft Transfer from Deposit Accounts | $3.00 |
|
| Transaction History | $5.00/request |
|
| Account Research | $25.00 per hour; $.30 per page copied |
|
| Foreign Card Fee The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country. | 1% of foreign transaction |
|
| Non-Network ATM Fee Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or COOP network ATM, regardless of whether they occur within a single or multiple ATM session. | $2 per transaction |
|
Unlike a CD, the funds in your MMA are not tied to a specific term so you have easier access to funds.
Yes. You may set up direct deposit with your employer by providing them your account number and routing number. Ensure that your employer lists your personal MMA as a checking account rather than a savings account to avoid any issues with your deposit.
Your Visa Debit Card will not give you access to your Money Market Account. ATM cards for an MMA can be issued which can only be used to withdrawal funds at an ATM. Money Market ATM cards cannot be used for Point of Sale (POS) transactions, such as paying at the gas pump or grocery store.
When accessing funds at an ATM with your Money Market ATM card, choose a withdrawal from checking to access the Money Market account.
Yes. There are several ways you can transfer funds from your Money Market Account to another share or loan:
Yes, you may open more than one Money Market account and can do so online using your Online Banking or by phone by contacting our Member Care Center at 800-544-3328.
Yes. However, please be advised of the following:
Using a Money Market Account (MMA) card at the ATM:
MMA cards are issued to access funds on your MMA account through the ATM.
Using an ATM card at the ATM to access funds in a MMA:
Using a Debit card at the ATM:
MMA accounts are independent from the your regular checking and savings accounts. Therefore, when a debit card is used at the ATM, if funds are not available in checking, the system will not pull from MMA.
Using Overdraft protection for a Money Market Account:
POS transactions made with a debit card do not allow withdrawals from savings. When a POS transaction is made using a debit card or ATM card, the system will first look for the standard checking account to withdraw from. If no funds are available in checking or you do not have a standard checking account, the system can pull from the MMA. This is because MMA is a checking account type.
Using your ATM card or Visa® debit card at an ATM, you can access your Primary Savings and Checking Accounts. Using your Money Market ATM card, you can access your Primary Savings and Money Market Accounts (select checking when prompted by the ATM to access the Money Market Account).
To access funds from your Additional Savings Account or Dependent Accounts, you can complete a transfer into your Primary Savings or Checking Accounts through online or mobile banking or by using the Interactive Voice Response (IVR) Line before going to the ATM to make the withdrawal. To add ATM access to your Additional Savings Account, please contact us.An account becomes inactive when the aggregate balance in its deposit accounts (Savings, Checking, Additional Savings, and Money Market) is less than $60 and there is no activity for 6 consecutive months.
We encourage members to deposit regularly into their accounts, thus eliminating the $5.00 monthly Inactive Account Fee. A notice advising that the account is approaching an inactive status prior to having any fees deducted will be sent. The inactive account fee is deducted the first business day of the month after the letter is mailed.
To reopen an account closed by inactivity, the primary member can reapply online or with a signed membership application.
To locate the number to use for automatic withdrawals or deposits, select from the list of account types below:
Savings Account: Utilize your Primary Account number (ACH number) but exclude the 4 digit Share ID preceded by the hyphen. Within Online Banking, this number can be located by selecting the account from the My Accounts list and clicking on the Account Details arrow located under the share name. You can also locate this number at the top of your share statement; the ID is located in the 2nd column at the top of the respective transactions section. (Leave off any zeros in front of and after the Savings Account number).
For example: 11123456 (savings)
Additional Savings Account: Utilize the Primary Account number plus the 4-digit Share ID preceded by the hyphen (ACH). This ACH number can also be located within Online Banking, as stated above. Or, locate the Primary number from the top of your share statement and the ID located in the 2nd column at the top of the respective transactions section. If a depositing institution is unable to input dashes, utilize another type of account and then set up a transfer to your additional savings account.
For example: 11123456-0030 (additional savings)
Money Market Account: Utilize the Money Market Account’s checking account number excluding any leading zeros located on the bottom of your printed checks. The associated checking account number can also be located either on your statements next to the Money Market share ID or from within Online Banking (see details for Checking Accounts below). Although Money Market Accounts are a type of savings account, they should be submitted as a checking account type. Business accounts are the exception to this, as ACH requests should be submitted as a savings account type.
To set up electronic withdrawals from your Delta Community Savings or Checking Account to your deposit accounts at another financial institution, access the Electronic Deposit/Withdrawal Agreement Authorization form.
APY = Annual Percentage Yield. Competitor products displayed are those with terms comparable to the respective Delta Community product. APYs are accurate as of the first day of the current month and are provided by mybanktracker.com. Consult the financial institution directly for full product terms and current rates. $5.00 opening and minimum balance required.
Money market accounts are federally insured by the National Credit Union Administration (NCUA), a federal government agency. Savings accounts maintained in different rights, capacities or forms of ownership may each be separately insured up to $250,000.
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
