Money Market Accounts

Would you like to earn higher dividends than those you’d earn with regular online savings accounts, and also have the cash readily available? Then Mountain America’s Money Market Account is right for you.

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Money Market Accounts

Would you like to earn higher dividends than those you’d earn with regular online savings accounts, and also have the cash readily available? Then Mountain America’s Money Market Account is right for you.

Earn More with a Money Market Account

A Money Market is one of the best savings accounts for earning higher dividends, while keeping your money accessible. That’s because a Mountain America Money Market Account gives you the earnings of a Term Deposit, with the flexibility of an online savings account.

What is a Money Market Account?

A Money Market account gives you the benefits of both a savings and checking account. Deposits earn higher dividends than a regular savings account while keeping money accessible when needed.
 
Money Market Accounts at Mountain America have a higher minimum balance than a savings account, but offer a tiered earnings structure, so the more you save, the more you earn.  And because a Money Market Account is insured by the NCUA, it's a great way to securely earn dividends on your savings while keeping your funds accessible. 
 

What are the Benefits of a Money Market Account?

  • Competitive dividends paid monthly
  • No time frame for maturity
  • No penalty for early withdrawal
  • Higher dividends paid on higher balances
  • Minimum balance of only $2,500
  • Insured up to $250,000 by the NCUA

How does a Money Market account work?

The main difference between a Money Market account and a regular savings account is that the account earns interest at a higher rate. In addition, most banks and credit unions require a higher minimum balance than your typical savings account. That balance, along with fees, will vary among financial institutions, and can range anywhere from $500 to $50,000. The primary difference between a Money Market account and a checking account is that the number of withdrawals is limited—usually between three and six per month.

Like a savings account, the interest earned is taxable, while providing the same federal insurance protections offered by the financial institution. Money Market accounts from a credit union are also backed by the National Credit Union Administration (NCUA) and by the Federal Deposit Insurance Corporation (FDIC) at banks. 

Why would you want to open a Money Market account?

A Money Market account is a good way to watch your money grow safely. The account earns a higher interest rate while being low risk. Funds are accessible in a pinch while being securely held by the financial institution. It’s a great option for accountholders with an emergency fund.

Mountain America Credit Union offers Money Market accounts with competitive rates, a minimum balance of $2,500 and flexible withdrawal options. The money is also insured up to $250,000 by the NCUA.

If you are looking for a savings account with competitive rates and flexible withdrawal options, open your Mountain America Money Market Account today. Visit your nearest Mountain America branch, call 1-800-748-4302, or apply online by clicking the button below.

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