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Routing Number: #211382931
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Our Signature Money Market Account is designed for members who want to earn more on larger balances without sacrificing access to their funds. With tiered rates, no monthly maintenance fees, and the added protection of combined NCUA and MSIC coverage, it's a smart way to put your funds to work, while keeping it within reach.
Open an account with $1,000 and enjoy access to up to six withdrawals or transfers from the account per month. Maintain a balance of $15,000 or more to qualify for the higher earnings tier with variable rate based on the US Prime Rate published daily in the Wall Street Journal.
| Minimum Monthly Avg Balance | Rate | APY | Minimum to Open |
|---|---|---|---|
$0-$14,999.99 |
.05% | .05% | $1,000 |
$15,000 and Above |
3.53% | 3.59% | $1,000 |
Deposits up to $250,000 are insured by NCUA and eligible amounts above that are insured by MSIC.
There are so many ways to save. In our latest blog we go over how to build better savings habits, including who a money market checking account is meant for.
1Rates subject to change at any time without notice unless otherwise noted. Rate may change after the account is opened. Offers may be withdrawn at any time. Subject to membership eligibility. Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted.
2Annual Percentage Yield (APY) and rates are effective as of . Featured APY is for balances of $15,000 or more. This is a tiered-rate, variable-rate account. Dividends are paid based on the applicable balance tier. The portion of the average daily balance from $0.00 through $14,999.99 will earn dividends at the applicable Tier 1 rate. If the average daily balance is $15,000.00 or greater, the entire average daily balance in the account will earn dividends at a variable rate based on the U.S. Prime Rate as published in The Wall Street Journal, less 3.22%. The APY stated for each tier assumes dividends remain on deposit until credited. A withdrawal will reduce earnings.
The dividend rate for this account is based on the U.S. Prime Rate as published daily in The Wall Street Journal (WSJ). The index rate used for dividend rate determination is the Prime Rate in effect on the first business day following a Federal Open Market Committee (FOMC) meeting. The account is subject to a minimum dividend rate (rate floor). If the U.S. Prime Rate is no longer available, the dividend rate will be determined using the Federal Funds Rate plus 3.00% as the replacement index, less the applicable margin.
Dividends are calculated daily using the daily balance method. Dividends are compounded monthly.
A minimum deposit of $1,000 is required to open this account. After the account is opened, no minimum balance is required to maintain the account.
You may make up to six (6) convenient debit transactions per month. Convenient debit transactions include withdrawals or transfers made through ACH, electronic, online, mobile, telephone, or other automated channels. Transactions conducted in person at a Credit Union branch with the assistance of a Credit Union employee or live agent are not considered convenient debit transactions and do not count toward this limit. A fee will apply to each convenient debit withdrawal transaction that exceed the monthly limit. This account does not include debit card access. Fees may reduce earnings. See our fee schedule for specifics. See our Truth In Savings and addendums for more information.
3Other institutions may impose a surcharge for use of their ATMs.
4Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.
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