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Money Market Account

Earn More With Withdrawal Capability

When you want to earn more on your savings, but still want your funds to be within reach, a Money Market may be the option for you. This type of savings account requires just one cent deposit to open or to start earning dividends, allows deposits and withdrawals, and if you’re a Member, you can open it through Online Banking. If you’re not yet a Member, call us to get started.

What is a Money Market account?

A money market account is a savings account that generally offers higher dividend rates than a classic savings or checking account, and still affords you access to your funds with fewer restrictions than a Term Share Certificate. 

A couple reviews their finances and discusses the benefits of a money market account.

Money Market Earnings

A Money Market account offers a tiered rate structure, so you receive a higher rate of return, and generally higher dividends, the more you have in your account. While dividend rates have traditionally been a bit higher than those for basic savings accounts, they are sometimes similar, depending on market conditions. Some features of a Money Market: 

  • Monthly dividends  

  • Tiered rates

  • Easy deposits and withdrawals

  • $0.01 minimum balance to earn dividends

Choose What’s Right For You

Interested in a Money Market account? Call 315-735-8571 to discuss the details or make an appointment with one of our friendly and knowledgeable representatives today.

Earning More: Term Share Certificates

Looking to earn even more and don’t need immediate access to your funds? Our Term Share Certificate could be right for you. 

Term Share Certificates: Learn More


Under the National Credit Union Administration, your investment receives federal insurance protection up to $250,000 (similar to FDIC coverage in banks).

Interested In Learning More?

To see what other services are available with a First Source Savings Account, visit our Savings Account Options overview page.

Let’s Get Started

Make an appointment with one of our friendly Member service representatives today.

Make an Appointment

Amy DeMetri VP of Member Services offers perspective on savings products offered at First Source

Money Market Rates

Check today’s rates effective March 28, 2023

Minimum Balance to Earn Dividends Dividend Rate APY*
$0.01 - $4,999.99
Minimum balance to earn dividends
1.00% 1.00%
$5,000.00 - $9,999.99
Minimum balance to earn dividends
1.00% 1.00%
$10,000.00 - $24,999.99
Minimum balance to earn dividends
1.09% 1.10%
$25,000.00 - $49,999.99
Minimum balance to earn dividends
1.09% 1.10%
$50,000.00 - $99,999.99
Minimum balance to earn dividends
1.39% 1.40%
$100,000.00 and Over
Minimum balance to earn dividends
1.39% 1.40%

This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield
$0.01 minimum balance to earn dividends.

*Federally insured by NCUA. Membership eligibility required. Rates and terms determined by overall credit history and subject to change.