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Money Market Checking

Pictures of members happily using their money market checking account.

A CapEd Money Market Checking Account earns higher dividend rates on higher account balances than other CapEd checking accounts.

Open a Money Market Account

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 & Features

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

Money Market Checking

Money Market Checking Rates

Money Market Checking Account rates.
Account BalanceDividend RateAPY1
$2,500 - $24,999.991.49%1.50%
$25,000 - 49,999.991.74%1.75%
$50,000 - 74,999.992.23%2.25%
$75,000 - 249,999.992.72%2.75%

Account Balance Details

Minimum Balance to Earn Dividends money market checking account.

Minimum Deposit for money market checking account.

Minimum Withdrawal for money market checking account.

Account Fees

Withdrawals Under $200.00 fee.

Exceeds 3 Withdrawals fee.

Account Falls Below $2,500.00 fee.
$18.00 Monthly

Request a Money Market Account

Easily apply online to open a Money Market account, or stop by one of our locations to start the process.

Apply Online



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 the earnings on the account.

Please note that some restrictions apply to the Money Market Account. Available for personal accounts only.