Money Market Accounts | FourLeaf Federal Credit Union

Features

Looking for a great way to save, earn higher returns and have the flexibility to make deposits or withdrawals? A FourLeaf Money Market account could be what you’re looking for.

Start earning more on your savings with as little as $500
Access your money easily
Save with confidence, deposits are federally insured up to $250,000 by the NCUA[1]

Money Market Rates

Tier	APY ^[2]	Dividend Rate	Minimum balance to earn APY
Tier 1	0.10%	0.10%	$0.00 - $499.99
Tier 2	0.20%	0.20%	$500.00 - $49,999.99
Tier 3	0.45%	0.45%	$50,000.00 - $99,999.99
Tier 4	0.55%	0.55%	$100,000.00- $249,999.99
Tier 5	0.95%	0.95%	$250,000.00 - $499,999.99
Tier 6	1.20%	1.19%	$500,000.00 +

What is a Money Market Account?

A money market account (MMA) is a type of interest-bearing savings account that typically offers higher interest rates than regular savings accounts. It combines features of both savings and checking accounts, allowing limited check-writing capabilities while providing a higher yield. Money Market Account are an excellent choice for individuals seeking a balance between liquidity and higher interest earnings. To sum it up, a money market account is a flexible and interest-earning financial tool for individuals looking to grow their savings with moderate risk.

How to Open a Money Market Account

Opening a FourLeaf Money Market Account is a straightforward process that puts you on the path to smart and flexible savings. Begin by ensuring you meet the account’s minimum deposit requirement of $1.00. Next, gather the necessary personal and financial information, including your Social Security number, valid identification, and funding details. Choose your preferred method of application, either online or by visiting a FourLeaf branch. Once your application is submitted and approved, you can start enjoying the benefits of a Money Market Account, earning competitive interest on your savings while maintaining easy access to your funds.

Why FourLeaf?

We are one of the largest credit unions in the country, serving members for over 80 years.

High member satisfaction ratings - 91% in 2024^[3]

Over 470,000 members

FAQs

We have the answers you need for the questions you have.

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Click here to apply now.

Before you get started make sure you have the following available:

Your Social Security Number
Your Driver’s License or Government Issued ID for identity verification
Your joint owner so they can provide their information as well

A one-time, $5.00 deposit into a FourLeaf savings account is also required to establish membership.[4]

Depositing a check is simple and can be done:

At a FourLeaf Federal Credit Union ATM located at our branches.
At your local FourLeaf Federal Credit Union branch
Using the Check Deposit feature through the FourLeaf mobile app or online banking
At a Co-op Shared Branch location

A Shared Service branch is a FourLeaf or other credit union branch that participates in a network that allows members to walk into a credit union location that displays the Co-op logo. At these designated locations you will be able to deposit checks, make a withdrawal or make a loan payment.

Shared Branches give members thousands of convenient locations to perform basic transactions. Whether you are at work, home, or your favorite travel destination, you will have the ability to get the service you need.

To find your nearest shared branch location, use our branch locator.

Yes, all FourLeaf Federal Credit Union deposit accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).

The NCUA share insurance coverage of $250,000 applies to each share owner, per insured credit union, for each ownership category. For more details and to learn more about NCUA share insurance visit www.ncua.gov.

The National Credit Union Administration (NCUA) is the independent federal agency created by the United States Congress to regulate, charter, and supervise federal credit unions.

The NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions (like FourLeaf) for up to $250,000. The NCUA’s share insurance coverage is similar to the deposit insurance coverage offered by the Federal Deposit Insurance Corporation (FDIC), which insures bank deposits.

For more details and to learn more about NCUA share insurance visit www.ncua.gov.

Looking for more information?

Check out our Help Center.

Important Information
[1] The National Credit Union Administration (NCUA) share insurance coverage of $250,000 applies to each share owner, per insured credit union, for each ownership category. For more details and to learn more about NCUA share insurance visit www.ncua.gov.

[2] APY = Annual Percentage Yield. APY is accurate as of –/–/– and subject to change, including after account opening, without notice. The Money Market Account is a variable rate tiered account. The variable APY applies by balance tier such that if your daily ending balance is within a tier, then your entire balance will earn the corresponding APY. APYs and tiers are currently as follows: 0.10% APY for balances $0.00 - $499.99; 0.20% APY for balances $500.00 - $49,999.99; 0.45% APY for balances $50,000.00 - $99,999.99; 0.55% APY for balances $100,000.00- $249,999.99; 0.95% APY for balances $250,000.00 - $499,999.99; and 1.20% APY for balances $500,000.00 +. The required minimum balance to open account is $1.00. Fees may reduce earnings.

[3] Source: Medallia Survey Program. Data received from 39,484 member surveys from 1/1/2024 through 12/31/2024.

[4] To obtain access to the advertised financial products and services offered by FourLeaf, membership is required, which is subject to approval and requires opening and maintaining a $5 Savings Account. Must be a US citizen or permanent resident alien.

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Money Market Account

Let your savings soar.