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Money Market Account

Grow your savings safely with access and liquidity. For ready access to your investments or long-term savings, invest in a Cornerstone Credit Union federally insured Money Market Account and enjoy maximum earning power.

Cornerstone CU’s Market Accounts is an ideal spot for savings in which you need occasional access — for example, tuition or property tax payments, or in case of an emergency, your rainy day fund.

  • Write up to three free checks monthly ($250 minimum)
  • Easy access 24/7 to your funds:
    • By Check
    • CU-Branch (online banking) transfers
    • CU-Mobile (mobile banking) transfers
    • Phone via EARS (audio response) transfers
    • 24/7 transfer access by contacting a CCU representative

Your deposits are insured up to a combined $500,000 — your first $250,000 is federally insured by the National Credit Union Administration (NCUA), and additional funds, up to $250,000, are privately insured by Excess Share Insurance (ESI).

Open a federal insured Money Market Account today!


Money Market Rates

Effective Date: 1/1/20151
Savings Rates Minimum Balance2 Dividend Rate APY3
IRA Money Market $0.01 .10% .10%
IRA Money Market $2,500.00 .10% .10%
IRA Money Market $20,000.00 .15% .15%
IRA Money Market $75,000.00 .20% .20%
Insured Money Market $2,500.00 .10% .10%
Insured Money Market $20,000.00 .15% .15%
Insured Money Market $75,000.00 .20% .20%
Insured High Yield Money Market4 $5,000.00 .55% .55%

1 All savings dividend rates are variable. Dividend rates and annual percentage yields may change at any time due to market conditions. Please call your Call Center Representative at 800.711.3277, press 0, for more information.

2 Minimum balance requirements apply to average daily balance (amount of principal in account each day) to earn stated dividends.

3 APY=Annual Percentage Yield. This rate schedule states rates applicable to specified accounts unless otherwise paid, dividends will be credited to your account compounded daily and paid quarterly. Dividends are credited to your account and compounded daily and paid monthly. This schedule is incorporated as a part of your account agreement with your Credit Union. Earnings can be reduced for inactivity.

4 Deposits that fall below the minimum deposit with a month will have their interest rate converted to our standard current Money Market (MMK) interest rate. Existing MMK Account members in good standing allowed to take advantage of this special rate, if they add a minimum of $2,000 to their existing MMK account. Minimum $5,000 balance still applies. Existing members in good standing will be allowed to use existing funds at CCU to open a High Yield MMK Account with a minimum $5,000 required, plus an additional $2,000 of new money. Definition of a member in good standing: a) Has an active CCU checking account or MMK account with direct deposit and/or payroll deduction and a debit card; or b) Has a collateralized loan with a balance of $7,500 or more; or c )Has a home equity or mortgage loan at CCU.

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