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.
Overview
Start earning higher dividend rates to help you reach your financial goals even faster, without losing access to your money.
Rates*
View all RatesBalance MM Rates
As high as  % APYMM Growth Rates
As high as  % APY-
Good to know
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Must have an active checking account to open a money market account
High-yield money market accounts are only available to existing RCU Members who already have an active checking account.
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Minimum opening balances
Although you can open a money market growth account with just $5, other types of money market accounts have higher opening balance requirements. Balance money market accounts start at $2,500.
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Minimum balance to earn dividends
In order to earn dividends, you must maintain minimum balance requirements depending on the type of money market account. Dividends begin at $100 for Growth accounts, $2,500 on Balance accounts.
Calculate your savings
Final Balance
Contributions: | Earnings:-
1
Apply online
It takes just minutes. If you aren’t already a Member, have your Social Security number and driver’s license or ID card handy.
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2
Deposit money
Move money into your new account so you can start using it.
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3
Manage your money online
Easily manage your money with online and mobile banking.
Your hard-earned money is safe
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Rated one of 21 strongest credit unions in the US by Weiss Ratings in 2021
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Rated 4th healthiest credit union in the US by Glatt Consulting HealthScore in 2020
Always friendly and helpful. In an attempt to better manage my money, this place has become a great resource. I've lowered my interest rates on just about everything."
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.
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*Rates are effective July 3, 2022 and are subject to change without notice. APY=Annual Percentage Yield. Fees may reduce earnings. Minimum balance to open account: $100.00 Minimum balance to avoid a fee: $0.00.
Rates
RCU's online application
Not a Member?
Become a Member and open your money market account. Review our Membership requirements below to determine if your are eligible.
You can become a Member of RCU if you meet any of the following:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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