Money Market

Are you interested in a money market account?

You’ll earn higher dividends while still enjoying full access to your money.

Bring $100,000, get $1,000!
Royal Credit Union | Money Market

Bring $100,000 or more to open a new Money Market account between October 1 and December 1, 2019 and get a $500 reward. Keep the balance at or above $100,000 for 12 months and get another $500 reward. Balances of $100,000 or more earn 1.36% APY, with no monthly service fee.1

Money Market Benefits
Royal Credit Union | Money Market Benefits

Earn cash on tiered balances in your account!

  • $10,000 minimum initial deposit
  • NO minimum balance
  • NO monthly maintenance fee
  • Make minimum withdrawals of $250 or more
  • Make minimum deposits of $100 or more
  • FREE personal checks
  • No minimum investment period
  • Unlimited signed transactions at any Royal office
  • Six unsigned transfers per month with online banking, business online banking, CompuTeller, Member Service, check, or preauthorized payment to a third party
  • Some transactions may be limited.
Money Market Ridiculously Good Rates
Royal Credit Union | Rates
  Dividend Rate APY*
$9,999.99 or less** 0.45% 0.45%
$10,000 - $24,999.99 0.95% 0.95%
$25,000 - $99,999.99 1.25% 1.26%
$100,000 or More 1.35% 1.36%

**This rate will go into effect if your account drops below $10,000. Minimum $10,000 initial deposit is required. 

The Fine Print
Royal Credit Union | Fine Print

*APY=Annual Percentage Yield. Rates current as of 10/1/2019. Last changed on 10/1/2019.​
The above rates are subject to change at any time without notice. Rate may change after opening account. Fees could reduce earnings on account. Limitations: Make minimum withdrawals of $250 or more

1APY=Annual Percentage Yield. APY is determined by account balance and shown based on account balance of $100,000. APY current as of 10/1/19 and last changed 10/1/19. APY is accurate as of last dividend declaration date. Rates may change after account is opened. $10,000 minimum deposit to open account. No minimum balance to earn APY. Fees can reduce balance and earnings on account. Offer valid on new Money Market accounts opened 10/1/19 through 12/1/19 with an initial minimum deposit of $100,000 in new money. Initial deposit cannot be made from funds contained in an existing Royal account or withdrawn, redeposited, or transferred from a Royal account during this promotional period. Existing Money Market accounts do not qualify. Membership and account opening upon qualification. The first $500 Reward will be deposited into the tax reported for account holder’s Primary Base Savings Account upon qualification. The final $500 Reward will be deposited into the tax reported for account holder’s Primary Base Savings Account if the Money Market account has contained a balance of at least $100,000 and remained open for 12 consecutive months from account opening date. Royal reserves the right to withhold final $500 Reward if qualifications are not met based on Royal’s sole discretion during the 12 month time period. Limit of one account per Member may be included in promotion. Rewards subject to federal and state tax requirements. Royal reserves the right to terminate this promotion at any time. Refer to our Disclosures and Service Fees for more information.