Money Market Accounts

Money Market Accounts Earn More

When you want to earn more on your savings and still be able to access your money when you need it, a Members 1st Money Market Account is the right choice. Simply maintain a minimum deposit of $1,500 and you’ll earn a higher dividend without locking into a longer term investment.

Money Market Account savings rates are tiered according to the balance in your account. Each higher minimum balance offers a higher savings rate. You can choose from four account levels. Additional deposits will automatically increase your earnings rate when you reach the new minimum balance tier.

Dividend Tiers

  • Minimum Balance of $1,500.00 up to $9,999.00
  • Minimum Balance of $9,999.01 to $24,999.00
  • Minimum Balance of $50,000.00 to $99,999.99
  • Minimum Balance of $100,000.00 (you can deposit more)

(There is a $10.00 service fee if your balance falls below $1,500.00.)

Account Terms

  • Make up to 6 withdrawals per month.
  • Dividends are compounded and paid monthly.
  • Money Market checks are available.

You can also make saving easy with Payroll Deduction. and verify your account balance and transfer funds between accounts with Virtual Branch online banking. Both are free services.

All credit union deposit accounts, including Money Market Accounts are insured by the NCUSIF* for up to $250,000. There are also steps you can take to have a higher account balance that are also insured. We can show you how.

To learn more or to open a Money Market Account, call or stop by one of our three Members 1st NJ credit union branches.


Money Market Rates

APRAPYInfo and/or Terms
0.10%0.10%$1,500.00 – $9,999.00
0.15%0.15%$9,999.01 – $24,999.00
0.20%0.20%$24,999.01

* The NCUSIF is the National Credit Union Share Insurance Fund . It is a federally insured program governed by the NCUA (National Credit Union Administration).

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