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Money Market

Earn dividends without losing access to your money

Money market accounts typically earn higher dividends than regular savings accounts, and you'll always have access to the funds you need.


Earn higher dividends on your savings while keeping access to your funds. The more you save, the higher your rate. Members with the deepest RCU relationships enjoy our very best rates.

Featured Rate1

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Premier Money Market

as high as % APY

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Money Market Growth2

as high as



Open an Account

How to qualify:

  • $100 minimum balance to open

Balance Money Market3

as high as



Open an Account

How to qualify:

  • $2,500 minimum balance to open
  • Active checking account

trophy iconWalletHub Best Money Market Account

Premier Money Market4

as high as



Open an Account

How to qualify:

  • $2,500 minimum balance to open
  • Active checking account with $500+ direct deposit per month
  • RCU Visa w/10+ transactions or $500 spend per month
  • And one of the following:
    • Open and active loan (in addition to the credit card)
    • $5,000 or more with our CFS investments team5
    • Insurance with RCU Insurance Services6

Learn more

Benefits of an RCU Money Market account

Tiered rates

Rates go up with higher balances. The more you save, the more you’ll earn.

Compounding earnings

Dividends are paid monthly and therefore compound over time allowing you to earn on those paid dividends.

Liquid funds

Write checks or move funds in digital banking to swiftly access your money when you need it, with no penalties or waiting periods.

No fees

There are no transaction, monthly, or minimum balance fees with any RCU money market account.

And more...

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Calculate your savings

Final Balance

Contributions:     |    Earnings: 
Initial Deposit

Your hard-earned money is safe

  • America's Best Credit Unions icon

    Named one of America’s Best Credit Unions by Newsweek.

  • 5 star superior rating

    Received Bauer Financial's 5-star Superior rating for strength based on financial data as of June 30, 2023.

  • Best in State icon

    Rated Best in State Credit Union by Forbes Magazine 3 years in a row.

Suggested For You

Earn more with active checking

Balance and Premier money market accounts are only available to RCU Members who already have an active checking account.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Put your money to work for you

Reach your financial goals even faster with outstanding money market rates.

  • 1Rates are effective May 20, 2024 and are subject to change without notice. APY=Annual Percentage Yield. Fees may reduce earnings.

    2Money Market Growth Disclosure
    Minimum balance to open account: $100.00. Minimum balance to avoid a fee: $0.00.

    3Balance Money Market Disclosure
    Minimum balance to open an account: $2,500.00. Minimum balance to avoid a fee: $0.00. Must establish and maintain an active RCU checking account. Active checking is defined as a checking account having three or more transactions per month (excluding telephone teller and dividend posting transactions). Balances under $2,500 earn 0.00% APY.

    4Premier Money Market Full Disclosure
    Minimum balance of $2,500 to earn dividends and (1) an active checking account at RCU. To be considered active, checking account must have a minimum of 3 transactions per month (excluding transactions performed through the Telephone Teller, and dividend posting); (2) a minimum monthly ACH deposit of $500.00 or more into account; (3) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity 10 transactions or $500 or more in advances; and (4) an open loan at RCU in good standing, an investment account through RCU and CUSO Financial Services, L.P.5 with at minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services6.

    5Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. SEC Marketing Disclosure.

    6Insurance products are not deposits of Redwood Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Redwood Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Redwood Credit Union need not be purchased from Redwood Credit Union and may be purchased from an agent or an insurance company of the member’s choice. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. Business conducted with RCU Insurance Services is separate and distinct from any business conducted with Redwood Credit Union. License no. 0D91054. NPN no. 7612227.