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  1. Personal
  2. Personal Savings Options
  3. Money Market Account - Rates & Benefits

Personal Money Market Accounts

Well, you’re certainly in the right place. A Delta Community Credit Union Personal Money Market Account is a great way to earn dividends on savings and doesn’t lock you into a fixed rate or long-term commitment. And if you maintain a $1,000 balance, you earn dividends.

Interested in other savings options? In addition to our great rates on Money Markets, we also have high-yield Certificates of Deposit. Take a look at our competitive dividend rates for our full range of interest-bearing accounts.

Learn More about Personal Money Market Accounts Apply Now for Personal Money Market Accounts

Overview & Benefits

Is a Money Market Account another Savings Account?

Yes, but it’s also a lot more. A Money Market Account is a premium savings account that has checking account features. It’s similar to a regular savings account in that you earn interest on the money you’re putting aside. But, it yields at a higher interest rate than a savings account. A Money Market Account provides an additional benefit: the convenience of writing a check which draws from the account itself.

With our Personal Money Market Account, you'll get:

  • A free ATM Card
  • Competitive dividend rates
  • Convenient account access
  • Freedom to manage online
  • No early withdrawal penalty

Check out our Savings Calculators.

Routing Number

Where's our routing number when you need it?
Right here:

261071315

View your Personal Money Market Account online at any time. You can also transfer funds from your Personal Checking Account or Personal Savings Account through Online Banking or on the go with Mobile Banking.

Rates

Money Market Account Rates

Your Personal Money Market Account rate increases as you go up tier levels. The more money you add, the more money you’ll get in dividends.

Tier Rate Rate APY*
$1,000.00 - $9,999.99 0.30% 0.30%
Tier Rate:
$1,000.00 - $9,999.99
Rate:
0.30%
APY*:
0.30%
$10,000.00 - $24,999.99 0.35% 0.35%
Tier Rate:
$10,000.00 - $24,999.99
Rate:
0.35%
APY*:
0.35%
$25,000.00 - $49,999.99 0.40% 0.40%
Tier Rate:
$25,000.00 - $49,999.99
Rate:
0.40%
APY*:
0.40%
$50,000.00 - $99,999.99 0.60% 0.60%
Tier Rate:
$50,000.00 - $99,999.99
Rate:
0.60%
APY*:
0.60%
$100,000.00 - $249,999.99 0.75% 0.75%
Tier Rate:
$100,000.00 - $249,999.99
Rate:
0.75%
APY*:
0.75%
$250,000.00 - $499,999.99 0.85% 0.85%
Tier Rate:
$250,000.00 - $499,999.99
Rate:
0.85%
APY*:
0.85%
$500,000.00 - $999,999.99 1.24% 1.25%
Tier Rate:
$500,000.00 - $999,999.99
Rate:
1.24%
APY*:
1.25%
$1,000,000.00 - and above 1.98% 2.00%
Tier Rate:
$1,000,000.00 - and above
Rate:
1.98%
APY*:
2.00%

View Current Money Market Account Disclosure Supplement

Minimum Opening Deposit: None
Minimum Balance to Earn Dividends: $1,000.00
*APY = Annual Percentage Yield. Rates subject to change. Fees could reduce the earnings on the account.

Compare Rates

Compare Personal Money Market Account Rates

Delta Community Credit Union’s Personal Money Market Account rates are amongst the highest compared to traditional banks.

Company Product Name APY*
Delta Community Money Market 0.30%
Company
Delta Community
Product Name
Money Market
APY*
0.30%

*APY = Annual Percentage Yield. APYs are accurate as of the first day of the current month and are subject to change. Consult the financial institution directly for full product terms and current rates. Rates provided by MyBankTracker.com.

Fees

Personal Money Market Account Fees

With Delta Community Credit Union’s Personal Money Market Accounts there are no monthly fees.

Fee Type Amount
Monthly Fee $0.00
Fee Type:
Monthly Fee
Amount:
$0.00
Per Check Charge $0.00
Fee Type:
Per Check Charge
Amount:
$0.00
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected. $15.00 per presentment
Fee Type:
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft)
Amount:
$15.00 per presentment
You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.
Stop Payment (ACH, Bill Pay, Check or Zelle) $28.00 each
Fee Type:
Stop Payment (ACH, Bill Pay, Check or Zelle)
Amount:
$28.00 each
Copy of Paid Check (trace # provided) $5.00 each
Fee Type:
Copy of Paid Check (trace # provided)
Amount:
$5.00 each
Balancing Checking Account $25.00 month
Fee Type:
Balancing Checking Account
Amount:
$25.00 month
Check Printing (per box of 40 checks) Pricing Varies
Fee Type:
Check Printing (per box of 40 checks)
Amount:
Pricing Varies
Overdraft Transfer from Deposit Accounts $3.00
Fee Type:
Overdraft Transfer from Deposit Accounts
Amount:
$3.00
Transaction History $5.00/request
Fee Type:
Transaction History
Amount:
$5.00/request
Account Research $25.00 per hour; $.30 per page copied
Fee Type:
Account Research
Amount:
$25.00 per hour; $.30 per page copied
Foreign Card Fee The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country. 1% of foreign transaction
Fee Type:
Foreign Card Fee
Amount:
1% of foreign transaction
The Foreign Card Fee is assessed for any card transaction in a foreign currency or completed outside of the U.S., including internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign country.
Non-Network ATM Fee Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session. $2.00 per transaction
Fee Type:
Non-Network ATM Fee
Amount:
$2.00 per transaction
Note that you will be charged a Non-Network ATM Fee for each withdrawal transaction made at a non-Delta Community or Co-op network ATM, regardless of whether they occur within a single or multiple ATM session.

APY = Annual Percentage Yield. Competitor products displayed are those with terms comparable to the respective Delta Community product. APYs are accurate as of the first day of the current month and are provided by mybanktracker.com. Consult the financial institution directly for full product terms and current rates. $5.00 opening and minimum balance required.

Money market accounts are federally insured by the National Credit Union Administration (NCUA), a federal government agency. Savings accounts maintained in different rights, capacities or forms of ownership may each be separately insured up to $250,000.

Routing Number: 261071315

NMLS Number: 401141

Customer Support: 800-544-3328

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