Money Market Accounts

Penalty-free access with higher rates

Money Market accounts reward higher balances with increased dividend rates while allowing convenient access to funds without penalties.

Account Details

Minimum balance of $1,000 to earn dividends

For balances $1,000+, the dividend rate is higher than primary savings
The higher your deposit balance, the higher your interest rate (see rates table)
No penalty to add/remove funds at any time
Dividends are compounded on the average daily balance & paid monthly
Online & Mobile Banking
Free account access at CO-OP Shared Branches
End-of-Year Member Reward Dividend
Federally insured by the NCUA

Not very long ago, I felt a little intimidated by the idea of opening a higher yield account. First Californian helped me understand my options and the money market account works great for me. I like the higher dividend rates without a fixed term. It's basically a higher rate primary savings account that I'd recommend if you have $1,000 or more in savings.

First Californian Member

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Money Market Rates

Rates up to date as of October 1, 2025. Rates subject to change without notice.

Money Market Balance	Dividend Rate	APY
$0 - $999	-	-
$1,000 - $4,999	0.946%	0.950% APY
$5,000 - $9,999	0.995%	1.000% APY
$10,000 - $24,999	1.144%	1.150% APY
$25,000 - $49,999	1.193%	1.200% APY
$50,000 - $99,999	1.588%	1.600% APY
$100,000 - $249,999	1.687%	1.700% APY
$250,000 and Greater	1.982%	2.000% APY

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.

For more information visit Terms & Conditions, Current Rates, and Fee Details.