Money Market Accounts
- Tiered rates that adjust with your balance
- No minimum balance requirement
- No maintenance fees
Money Market Accounts
- Tiered rates that adjust with your balance
- No minimum balance requirement
- No maintenance fees
| AVG Daily Balance | definition for APY : APY |
| $0 - $4,999.99 | 0.15% |
| $5,000 - $9,999.99 | 0.74% |
| $10,000 - $24,999.99 | 0.79% |
| $25,000 - $49,999.99 | 0.89% |
| $50,000 - $99,999.99 | 0.94% |
| $100,000 + | 1.25% |
Rates and terms listed are current as of January 1, 2026. Rates and terms are subject to change at WSECU's discretion.
What's a Money Market account and why do I want one?
A Money Market account is for savings. It’s a type of deposit account that blends the convenience of cash access with yields that are often higher than those you’d find in traditional savings accounts.
You’ll save more with rates that adjust with your balance, all while maintaining easy access to your money when you need it.
Here’s what you should know:
- Earnings are based on average daily balance.
- Earnings are paid at the end of each month.
- Withdrawals are limited to 6 per month.
Calculate your savings
Whether you have a clear savings goal with a dollar amount in mind or you want to know what your earnings could be, our calculator has the answers.
Money Market Savings Calculator
Money Market Savings Calculator
How to open a Money Market account
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Digital Services
Mobile Banking
- Manage your account settings and profile.
- Sign in securely using biometrics.
- Deposit checks from your mobile device.
- Transfer money to your external accounts.
- Temporarily lock and unlock your cards.
Scan this code to learn more about our mobile app.
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FAQ
All three account types make access to cash easy. However, there are a few differences in how they work.
Checking accounts are best for regular day-to-day money moves. They typically provide the lowest yields and often have associated debit cards for convenient cash access almost anywhere. It is not common for checking accounts to pay earnings.
Savings accounts are good for funds that need to remain available but not for everyday use. Without debit cards, savings accounts must be accessed through withdrawals or transfers. Consider savings accounts like “rainy day funds” that earn a small return.
Money market accounts are a good method for saving money when the funds will not need to be accessed frequently. Money market earnings are higher than those typically received from a savings account, yet there’s comfort knowing the cash is accessible if needed.
Savings accounts are best when members make frequent withdrawals from their accounts. For members who make six for fewer withdrawals per month, money market accounts may be a better option.
Members may make up to six withdrawals per month. Withdrawals may be in the form of checks, electronic transfers to other accounts or cash withdrawals.
There are no minimum balance requirements for money market accounts.
Member savings, money market accounts, certificates and checking accounts holding up to $250,000 are insured, along with individual retirement accounts holding up to another $250,000. Additional insurance may also be provided for other types of accounts or account setups.