Facebook Instagram LinkedIn Youtube
New Account Locations Rates
Careers Contact Us
Plant with leaves.
Home » Accounts » Money Market

Money Market Accounts

Enjoy higher interest rates while keeping your funds accessible.

Learn more about Business Money Markets View Money Market Rates
A couple celebrates the growth of their savings in their BluCurrent Credit Union money market account.

The Best Money Market Accounts in Southwest Missouri

  • Grow your money on autopilot while keeping complete access to your funds with our second-to-none money market accounts.
A grandparent spending time with his grandkid while his savings grow on autopilot on his money market account..

Make Your Money Work For You with up to 4.25% APY**

  • The More You Save, the More You Earn: We reward your good savings habits with higher yields! The more you deposit into your money market savings, the higher the APY you'll earn.
  • Keep Access to Your Funds: Earn a higher interest rate while still having access to your money when you need it.
  • Support Your Community: Keeping your money local helps your community thrive!
  • Have Peace of Mind with NCUA Insurance: Your money market funds are federally insured by the NCUA (National Credit Union Administration) for up to $250,000.
A woman is smiling while she opens a money market account.

Earn More Money at a Great Rate

Money market accounts typically allow you to earn more than a traditional savings account without sacrificing access to your funds. Enjoy the benefits of a secure and flexible investment.

  • Continually earn interest while keeping your liquidity: Your funds will continue to earn dividends as long as you maintain your minimum account balance.
  • No standard term: Access your money or close your account whenever you want.
  • Up to 6 withdrawals per month: Make up to 6 withdrawals per month without penalty (as long as you maintain your required minimum balance).
  • Get 50 free checks: Receive 50 free checks when you open your account.
  • Low minimum opening deposit: Start with as little as a $2,500 minimum deposit (your required minimum balance).
  • Access your account from anywhere, anytime: Check your account anytime with free online & mobile banking.

    • Growing your savings has never been easier with a BluCurrent Credit Union money market account. Click the button below to start saving smart!

The Best Money Market Rates in Southwest Missouri

We're proud to offer competitive rates that serve our local community. See what you can expect to earn based on your balance, and let's get started today!

Current Money Market Rates

Balance Rate APY**
$2,500.00 - $49,999.99 2.71% 2.75%
$50,000.00 - $99,999.99 2.96% 3.00%
$100,000 - $249,999.99 3.20% 3.25%
$250,000 - $499,999.99 3.68% 3.75%
$500,000 + 4.16% 4.25%

To open a money market account, visit one of our branch locations, launch a video banking call, give us a call or message us through online or mobile banking.

Ready to Open Your Money Market Account?

Step

1

Apply Online

Click the button below to get started with your online application.

Step

2

Talk with a Real Person

Once you submit your online application, a member service representative will contact you to set up your account.

Step

3

Watch Your Money Grow Safely!

Enjoy the peace of mind that comes with watching your money grow on autopilot, knowing it’s completely safe!
Get Started

BluCurrent Credit Union Money Market Accounts FAQs

For all accounts, dividends will begin to accrue when cash is deposited. The amount of money you will earn each day on a noncash deposit (such as a check) will be calculated by the Daily Balance method, which takes the balance in your account each day and multiplies it by a specific rate. The daily dividend total is added to the account at the end of the Dividend Period. Dividend calculations are based on a 365-day year.
The Dividend Period is the time in which an account earns dividend credit. The Dividend Period begins on the first calendar day and ends on the last calendar day. Dividends on a Money Market are compounded monthly and credited monthly.

The Annual Percentage Yield (APY) and the interest rate are closely related but different concepts. Here's a breakdown:

  • Interest Rate:
    • This is the nominal rate at which interest is paid on your deposit. It does not take into account the effect of compounding.

  • Annual Percentage Yield (APY):
    • This reflects the total amount of interest earned over a year, including the effects of compound interest. Compounding occurs when interest is added to your balance, and then that interest also earns interest over time. Since APY includes compounding, it is typically higher than the nominal interest rate.

    How much you'll earn depends on how much you contribute to your money market account and how often. Our credit union money market offers tiered rates, so the more your savings grow, the higher the APY you'll earn.

    Here's an example to help give you an idea of how much you can earn. If your money market account offers an APY of 3.05%, you make an initial deposit of $2,500 and don't add or withdraw any of the funds for a year, then your deposit would earn approximately $76.25.

    Statements are generated monthly unless there is no transaction in the particular month. In any case, you will receive a statement at least quarterly.

    The biggest difference between a CD and a money market account is liquidity. You can easily access funds in a money market account. You can also make deposits to a money market account, but you cannot add funds to a CD. You would need to open a new CD if you wanted to make an additional deposit.

    Another difference is interest rates. A CD has a fixed rate for the entire term, whereas a money market is variable. As rates change in the market, it's likely your money market rate will change. When you open a CD, your rate is locked at a set rate for the term you select.

    Ready to Grow Your Money with a Money Market Account?

    Visit a Branch
    Contact Us