Tiered Money Market Accounts

The more you save, the greater your earning power… with flexibility!

Grow Your Savings

HVCU's tiered money market accounts offer an interest rate higher than a traditional savings account. Enjoy access to digital banking tools, unlimited monthly deposits, and up to 6 withdrawals or transfers each month without a fee.

Get Started with a Tiered Money Market Account

Compare Your Savings Options

In addition to a Money Market Account, one of our other savings options may be a great fit as well!

Savings AccountSavings Accounts

  • No minimum deposit requirement
  • Earns interest
  • No monthly fees
  • Flexibility to add or withdraw funds as needed
  • Funds may be used as collateral for a loan

Tiered Money MarketTiered Money Market Accounts

  • Earns more interest than a savings account
  • Low minimum opening balance of $500
  • Higher APYs for balance tiers of $10,000, $50,000, $100,000, and $250,000 or more
  • Flexibility to add or withdraw funds as needed
  • Ability to write checks

Certificate AccountCertificate Accounts

  • Earns more interest than a savings and most tiered money market account tiers
  • Flexible minimum opening balance requirements, as low as $250
  • Guaranteed to never lose your initial investment
  • Short and long-term options, up to 60 months

Direct Deposit

Direct deposit via ACH (Automated Clearing House) is today’s safest, fastest, most convenient way to deposit your paycheck, Social Security, or other recurring payment.

Set up ACH direct deposit

Regulation D Guidelines

You are limited to six withdrawals and/or transfers from tiered money market accounts each month. Withdrawals and transfers made between your accounts are unlimited when made under the following circumstances:

  • In person
  • At an ATM
  • By mail
  • At a Shared Service Center
  • By messenger
  • By transfer to an HVCU loan in your name
  • By phone, fax, Internet Banking, Mobile Banking, or email when requesting an HVCU official check made payable to you and mailed to your address of record with HVCU

Monitor Accounts

Monitor your account balances and account activity with text and email notifications through CUAlerts. We offer a specific alert that can be sent when a transaction from your tiered money market account counts towards the free monthly withdrawal/transfer limit of six. A $10 fee will be assessed for each withdrawal or transfer in excess of six.1

Your Money Is Protected

Accounts at HVCU are Federally Insured for up to $250,000. Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Visit mycreditunion.gov to learn more about your Share Insurance Coverage.

What Your Neighbors Are Saying

  • Image of Mature woman outside looking at water
    HVCU Member
    33 Years
    Over 25 years of service with checking, savings and money market has impressed me. I am joint on my kid's accounts so I can transfer funds or check on transactions.

    Rating star-5 out of 5 stars.
  • Image of Male outdoors
    HVCU Member
    32 Years
    Have been a member for 30+ years and we are pleased with service, accounts offered, and value.

    Rating star-5 out of 5 stars.
  • Image of Young man smiling outdoors
    HVCU Member
    8 Years
    Very easy to get account opened.

    Rating star-5 out of 5 stars.

We Are Here To Help

Important Legal Disclosure & Information

The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.

1If withdrawals, including transfers within a calendar month exceed an aggregate of six transactions, a fee of $10 is assessed for each withdrawal or transfer in excess of the permitted six.