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Money Market Checking

A CapEd Money Market Checking Account earns a higher dividend rate than other CapEd checking accounts.

High Yield Checking

What is a Money Market Checking account?

A CapEd Money Market is a tiered checking account solution for members who need a safe place to keep a larger sum of money. A Money Market account earns higher dividend rates based on the balance in the account; the more money in the account, the higher the rate. It's a great place to keep money to save for a big item or stash money away as an emergency fund.

Benefits and Features

  • Dividends are paid monthly when the minimum balance to earn dividends is met
  • Funds are easily accessible
  • Electronic withdrawals and deposits
  • Access to Bill Pay
  • Up to 3 withdrawals per month without a fee when minimum withdrawal amount is met
  • Federally insured by NCUA

Account Balance Details

  • There is no minimum balance to open the account
  • $2,500 minimum balance to earn dividends
  • $25 minimum deposit
  • $200 minimum withdrawal


  • $5.00 for each withdrawal under $200.00
  • $5.00 for each withdrawal over 3
  • $18.00 monthly fee if the account falls below $2,500.00


Balance Dividend Rate APY1
$2,500 - 24,999.99 0.05% 0.05%
$25,000 - 49,999.99 0.10% 0.10%
$50,000 - 74,999.99 0.15% 0.15%
$75,000 - 249,999.99 0.20% 0.20%
$250,000+ 0.25% 0.25%


Please note that some restrictions apply to the Money Market Account.

1 APY is Annual Percentage Yield. Rates are accurate as of the last dividend declaration date and may change after the account is opened. Fees or other conditions could reduce earnings on the account.