Credit Union Money Market Account
Looking for a way to make your money work harder without tying it up in long-term investments? We've got three good Money Market Account options.
Higher earnings. Easy access to funds. Money Market Accounts are a great stand-alone savings option or a smart piece of a balanced portfolio.
- Credit Union of Texas offers three types of Money Market accounts: Regular Money Market, Premium Money Market and Mega Money Market Accounts
- Money Markets offer higher returns than traditional savings accounts
- Easy access to funds through Online and Mobile Banking, through checks and at credit union branches
- No-risk investment. All deposits insured by National Credit Union Administration
- Account specialists can explain the details, such as our credit union money market rates, and help you get the most from your savings
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Money Market Account Questions?
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Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST
Talk to an Account Specialist
(214) 818-3231
Get a Money Market Consultation.
Money Market Match Account
Unlock higher earnings with our Money Market Match Account! Simply present a money market rate from another financial institution within our service area, and if approved, we’ll match it—plus add an extra 0.10% to boost your savings.1
Choose Your Money Market Account Type
Money Market Match Account
The minimum opening deposit for our Money Market Match account is $5,000. Interest compounds monthly at a fixed rate. *The Annual Percentage Yields (APYs) are accurate as of May 6, 2025 and are subject to change. For full terms and conditions, see our Truth in Savings.
Regular Money Market Account
The minimum opening deposit for a Regular Money Market account is $2,000. Interest compounds monthly at a variable rate. *The Annual Percentage Yields (APYs) are accurate as of May 6, 2025 and are subject to change. For full terms and conditions, see our Truth in Savings.
Premium Money Market Account
The minimum opening deposit for a Premium Money Market account is $25,000. Interest compounds monthly at a variable rate. *The Annual Percentage Yields (APYs) are accurate as of May 6, 2025 and are subject to change. For full terms and conditions, see our Truth in Savings.
Mega Money Market Account
The minimum opening deposit for a Mega Money Market account is $150,000. Interest compounds monthly at a variable rate. *The Annual Percentage Yields (APYs) are accurate as of May 6, 2025 and are subject to change. For full terms and conditions, see our Truth in Savings.
Regular Money Market
Give your savings a little extra push. With an initial $2,000 deposit, you can begin earning a higher interest rate.
Premium Money Market
A bigger balance can take your earning to an even higher level. To open a Premium Money Market, you'll need a minimum deposit of $25,000.
Mega Money Market
For larger investors, steady returns from Money Markets can help balance the volatility of stocks. Our Mega Money Market requires an opening deposit of $150,000.
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Credit Union of Texas Money Market FAQs
How do I open a Credit Union of Texas Money Market Account?
You can open a Money Market Account online here.
To open a Premium or Mega Money Market Account, please schedule an appointment to visit one of our locations.
Are there fees associated with Money Market accounts?
There are no fees on our Money Market Accounts as long as you maintain the required minimum balance.
- If your balance drops below $2,000 on the regular Money Market, there's a $10 monthly fee.
- If your balance drops below $25,000 on the Premium Money Market, the monthly fee is $20.
- If your balance drops below $150,000 on the Mega Money Market, there's a one-time $20 fee.
Are there any transaction limits on your Money Market Accounts?
Each account has a limit of six transactions per statement period.
The Money Market and Mega Money Market Accounts each charge a fee of $5 for each transaction over the monthly limit while the Premium Money Market Account has a fee of $10 for those instances.
Are the interest rates on the Money Market Accounts fixed or variable?
All Money Market rates are variable.
Are you eligible for membership? See our Membership Eligibility
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1. Money Market Match Account: This offer is valid only for a Money Market Match account with new money not previously held by any member of Credit Union of Texas (CUTX). Current CUTX members with an active or recently opened a Money Market account within the past 6 months are not eligible for this offer. You will be required to present proof of a current rate or an advertisement (print or digital) featuring a Money Market annual percentage yield (APY) from another financial institution within our service area in Dallas, Denton, Collin, Rockwall, Upshur, Gregg, Smith, Wood, Harrison, Camp, Morris, Marion, Anderson, Bowie, Camp, Cass, Cherokee, Delta, Fannin, Franklin, Henderson, Hopkins, Hunt, Lamar, Panola, Rains, Red River, Rusk, Titus, or Vân Zandt counties. We will match and beat your current rate or valid advertisement by 10 basis points (0.10%), at the Credit Union’s discretion, with a fixed rate for a 12-month period. The minimum opening deposit and minimum average daily balance is $5,000 for the Money Market Match account. The maximum balance for the rate match is $250,000, with any balance over $250,000 earning interest at the current Mega Money Market rate. If the Money Market Match account balance falls below the $5,000 average daily balance, the rate will adjust to the Regular Money Market variable rate, at that time. If you present proof of a new rate or an advertisement featuring a Money Market APY from another financial institution within 30 days prior to the end of the current 12-month period, the Money Market Match account will be renewed at the new fixed rate for another 12-month period. If you do not present proof of a current rate or an advertisement featuring a Money Market APY from another financial institution within 30 days prior to the end of the 12-month period, the Money Market Match account will be rolled into a Regular, Premium, or Mega Money Market account at the current Money Market rate, based on the Money Market Match account balance at the time. This Money Market Match account renewal offer is subject to change at any time without notice. A penalty may be imposed for more than six (6) withdrawals per month. Fees could reduce earnings. Please refer to the CUTX Truth-in-Savings Disclosure/Fee Schedule for additional details. Interest is compounded daily and paid monthly for all Money Market accounts. New members must meet membership and age requirements. Federally insured by NCUA.