Money Market Account

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Money Market Account

It’s the best of both worlds

Get early direct deposit*, earn competitive dividends


Get dividends that are compounded daily


Receive direct deposits* up to 3 days sooner


Use checks as an additional way to access funds

Better together.

Get the best parts of a savings and checking account in one place. The Money Market Account earns high dividend rates with no access restrictions. Get to your money anytime by writing a check or digitally transferring money. Most importantly, you get early access to direct deposits* (up to 3 days faster). It’s the best of both worlds.

Money Market Statement

Make your money work harder

  • Open an account with $500^
  • Earn 0.75% dividends when your balance remains above $500^
  • Dividends are compounded daily and paid monthly
Money Market Terms

Get money faster

  • Access direct deposits up to 3 days early*
  • Unlimited debits and credits
  • Account can be used as an overdraft transfer# option
Money Market Features

Earn with access

  • Higher dividend savings option vs. Select Savings Account
  • Flexible access with checks or digital transfers
  • No access restrictions
Money Market Benefits

Get higher dividend options using a specific savings timeframe with a Choice Certificate.

Choice Certificate

Choose your term and what you will earn.

  • Fixed-rate dividends
  • Personalized maturity dates
  • Automatic dividend deposits
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You know that details matter. [And you are in good company.]
Here are a few frequently asked questions:

This account earns you dividends when the balance remains above $500. So, when your Money Market Account falls below the $500 minimum, there will be no earned dividends for that month. The good news is there are no fees involved. Tip: If you dip below the $500 minimum on a regular basis, the Select Savings Account may be a better fit for you.

Yes. We will get you started with one box of complimentary checks for your account. Giving you flexible options for your money is our priority. And there are times when checks are just necessary. Tip: To move funds faster, use mobile or online banking for unlimited transfers.

Yes. Funds in all Civic Money Market Accounts are insured up to NCUA maximums.

This account has the ability to write checks but does not come with a debit card. Here's a tip, if you need more options to move money, consider a Bonus Checking Account

Getting started with direct deposit can be as easy as providing your account number and the Civic routing number (052185723

Many Employers and Government Entities that provide Direct Deposit payments will have their own paperwork, so it is vital to check with them first. If there is no set form required by the Paying Entity and the requirement is only to submit your request in writing, then simply download and complete the Civic Direct Deposit Authorization Form. 

download arrow  Civic Direct Deposit Authorization Form


* Early access to direct deposit funds depends on timing of payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 3 days earlier than the payer's scheduled payment date.

^ Minimum opening balance is $500. APY of 0.75% is paid on balances of $500 or above. Dividends are compounded daily and paid monthly. For balances that fall below the minimum balance requirement, the APY is 0.00%.

# Overdraft Transfer Service is available from a Checking, Savings or Money Market accounts with no minimum increments or transfer fees. Members may also apply for an overdraft line of credit from which transfers are made in increments of $50 up to available limits.