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 / Accounts / Savings / Money Market Account

Personal Money Market Accounts

In the market for a Money Market Account?

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.


What is a Money Market Account, another Savings Account?

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 Accounts, you'll get:

  • A free ATM Card
  • Competitive dividend rates
  • Convenient account access
  • Freedom to manage online
  • No early withdrawal penalty

Check out our Savings Calculators.

Who is this product right for?

Someone who is interested in earning dividends without a long-term commitment.

Money Market Account Rates

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 RateRateAPY*
$1,000.00 - $9,999.990.20%0.20%
$10,000.00 - $24,999.990.23%0.23%
$25,000.00 - $49,999.990.28%0.28%
$50,000.00 - $99,999.990.30%0.30%
$100,000.00 - and above0.33%0.33%

Who is this product right for?

Someone who is interested in earning dividends without a long-term commitment.

Compare Personal Money Market Accounts

Delta Community Credit Union’s Personal Money Market Account Rates are amongst the highest compared to other banks.

Minimum deposit:
Company APY
Chase Bank 0.01%

Competitor APYs as of the first day of the current month, provided by  

Who is this product right for?

Someone who is interested in earning dividends without a long-term commitment.

Personal Money Market Accounts Fees

Monthly Fee $0.00
Per Check Charge $0.00
Non-Sufficient Funds (NSF) Fee (per calendar year - includes ACH overdraft)** $25.00 1st item
2nd & 3rd item returned $30.00 per item
4th or more item returned $35.00 per item
Excessive Transfer From Account $20.00 each
(after 6 per month)
Stop payment $25.00 each
Copy of Check (trace # provided) $1.50 each
trace # provided
Balancing Checking Statement $25.00 month
Check Printing (per box of 40 checks) Pricing Varies
per box of 40 checks
Local Returned Deposited or Cashed Item $12.00/item
Foreign Returned Deposited or Cashed Item (US and Canadian) $20.00/item
Foreign Returned Deposited or Cashed Item (Other Currency) $40.00/item
Transaction History $1.50/request
Account Research $20.00/hour $.30 per copy
Excessive Withdrawal Fee (after 10th withdrawal per month) $20.00
Check Card/ATM International Service Assessment 1% of foreign transaction total
Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.

Who is this product right for?

Someone who is interested in earning dividends without a long-term commitment.

Related Personal Money Market Account Articles

  • Money Market Account
  • Why should I choose a Money Market Account rather than opening a CD?
    Unlike a CD, the funds in your MMA are not tied to a specific term so you have easier access to funds. However, Money Market accounts are limited to 10 withdrawals per month before an excessive withdrawal fee of $20 is incurred.

    Can I have direct deposit to my Money Market Account?
    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.

    Can I use my Visa Debit Card to access my Money Market Account?
    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. Remember that you are not permitted to make more than ten (10) ATM withdrawals per month from the Money Market account.

    When accessing funds at an ATM with your Money Market ATM card, choose a withdrawal from checking to access the Money Market account.

    Can I transfer funds from my Money Market Account online or by using Audioline?

    Yes. There are several ways you can transfer funds from your Money Market Account to another share or loan:

    • Transfer funds in your Online Banking
    • Audioline - Audioline recognizes an MMA account as a Checking Account (ID 35)
      • Transfer from Savings to MMA - Choose service code 73# and enter your MMA account number ID for the Checking Account number, ex: 35
      • Transfer from MMA to Savings - Choose service code #37 and enter your MMA account number ID for the Checking Account number, ex: 35
      • Member to Member - Choose service code 28#
      • Transfer from MMA to Loan - Choose service code 35# and enter your MMA account number ID for the Checking Account number, ex: 35
    • Request to transfer funds from using Secure Email located under Additional Services from within your Online Banking

    Limitations on the number of transfers may apply - Click on Reg D FAQs for more information.

    Can I have more than one Money Market Account?
    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.

    Can Money Market Account checks be certified?

    Delta Community CU is unable to certify Money Market Account checks due to the restriction of 10 withdrawals on this type of account.

    If I have a Money Market Account (MMA) on my personal account, can I order a different check design from an outside vendor?
    Yes. However, please be advised of the following:

    • Checks ordered from an outside source will generally require a larger order than is necessary. This is important to consider since check writing limitations exist on an MMA. The available checks ordered from Delta Community CU come in a box of 40.
    • Additionally, ordering checks from an outside vendor means providing your account number and routing information to an unverified third-party. We cannot guarantee the safety and privacy of that information once you release it.
    • Remember that if you order Money Market checks through the Credit Union, the fee is deducted from the MMA and counts toward the 10 withdrawals limit per month.
    • Checks cannot be ordered for a Money Market account associated with a business account.

  • Options for Trust Accounts
  • Does Delta Community CU offer Trust Accounts?
    At this time Delta Community Credit Union is not accepting trust or estate documents for accounts to be opened. We do offer accounts that can contain designated POD beneficiaries. These are commonly known as "Payable on Death" or P.O.D accounts.
    A member can designate a POD beneficiary or beneficiaries on their Savings Account, Checking Account, Additional Savings Account, Money Market Account or Certificate of Deposit Account. A POD may be any natural person, a trust, or any corporate entity such as a profit, not-for-profit, or charitable organization. Click here for additional details about POD accounts.

  • Joint owners access to opening and closing a MMA
  • Can a joint owner open or close a Money Market Account (MMA)? A joint owner can not open a MMA, but they can close the account.

  • Rerunning Checks and ACH items
  • Will my check or ACH be rerun against my account a second time before it is returned as NSF? If you make a deposit by noon after the item was first presented, and your "Available Balance" reflects a balance that will cover the posting of the item, we will rerun your check or ACH. (i.e. Checks that tried to post at 8pm need to have funds deposited by 12noon the following day. ACH items that tried to post at 7am need to have funds deposited by 12 noon same day.) The original posted fee is non refundable and will not be reversed.

  • Dividend rate FAQs
  • Do the dividend rates ever change? If so, how often and how much notice is given?
    Yes, the dividend rates are subject to change on a monthly basis and are posted on the first day of the month in the Delta Community CU branches and on our web site. The rate changes are also reflected on each monthly statement.

    How are dividends calculated?

    Dividends are calculated on a daily basis. You take your previous balance and multiply by the interest rate and then divide that by 365. This is the daily interest earned. You take this and multiply by the number of days your balance stayed that amount. Any time your balance changes; you will have to perform this calculation.

    How does the Credit Union compute dividends (interest) on Savings/Checking Accounts during leap years, considering there is an extra day?
    The dividend payment is based on the actual number of days in the month and the actual number of days in the year. Therefore, during a leap year, the number of days is based on 366. Our dividends are earned on a daily basis.

    I'd like to have my dividends mailed to me in the form of a check. Is this possible? How would I set this up? You may have your dividends deposited to another share or issued by check and mailed to you. To set this up send a message from within Online Banking from the Secure Email under Additional Services or fax us a written, signed request to the Research Advisor Department at 404-677-4789. Please indicate your correct address for verification purposes.

Ready to open a Personal Money Market Account?

All you need to do is log into your Online Banking account, go to the Tools & Services menu and select Add New Account, then choose Money Market Account or complete a Money Market Account application. You can also call us at 800-544-3328 or visit any one of our credit union locations and speak with one of our Money Market Account representatives.

Who is this product right for?

Someone who is interested in earning dividends without a long-term commitment.


APY = Annual Percentage Yield. Competitor products displayed are those with terms comparable to the respective Delta Community CU product. APYs are accurate as of the first day of the current month and are provided by   Consult the financial institution directly for full product terms and current rates. No opening deposit, $1000 minimum balance required to earn dividends.

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.

Important Notice: You are accessing a secure site with confidential information which is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.