Grow your Savings with NCCYou’s
Money Market Accounts
Why Choose a Money Market Account?
How It Works
NCCYou’s money market accounts are designed to help you make the most of your savings. With a minimum deposit to open, you can start earning interest right away. Plus, enjoy the flexibility of accessing your funds when you need them.
Plan Information
- Minimum balance to begin earning dividends is $2,500
- Tiered rates based on balance
- Dividends are compounded daily (based on average balance) and credited quarterly
- Statements are available quarterly; monthly if the member has a NCCU checking or if there are electronic transactions within the account during the month
- Funds are insured up to at least $250,000 by NCUA
- If balance falls below $2,500, dividends stop accruing
- Transactions cannot be made at ATMs
Key Benefits
Competitive Rates: Enjoy higher returns compared to traditional savings accounts.
Easy Access: Make transfers with ease, so your money is always within reach.
Safety and Security: Your deposits are federally insured, giving you peace of mind.
Tiered Interest Rates: The more you save, the more you earn. Benefit from tiered rates that reward higher balances.
Who Should Consider a Money Market Account?
Safety Seekers: A great option for those who prioritize security and want federally insured deposits.
Flexible Spenders: Perfect for individuals who need occasional access to their funds while still earning competitive interest rates.
NCCYou's Money Market Rates
| Balance (Minimum – Maximum) | Annual Percent Yields (APY)* |
| $2,500 – $9,999 | 0.50% |
| $10,000 – $24,999 | 1.00% |
| $25,000 – $49,999 | 1.25% |
| $50,000 – $99,999 | 1.75% |
| $100,000 – $199,999 | 2.00% |
| $200,000 + | 2.25% |
*All rates and terms are effective as of November 22, 2024, and are subject to change without notice. Dividend rates given are Annual Percentage Yields (APY). Rates may change after account is opened. Fees may reduce earnings. Please see the Fee Schedule to view fees that may apply.
