Money Market Account

Better rates. More flexibility.

You’re saving for your future, but sometimes things come up and you need easy access to your money. Our Money Market Account (MMA) offers very competitive rates for the savvy saver, plus liquidity, so you have easy access to your money when you need it.

After you open a Money Market Account, check out our new Companion Account—it’s a basic savings account that earns an amazing 1.76% APY*!


Savings Education

savingsA good savings plan is key to a secure financial future. Get started with these online learning modules and tools.


  • $2,500 minimum deposit to open an MMA and earn dividends
  • Funds in the account remain liquid
  • FREE access to your account through Mobile and Online Banking
  • Debit card access to your funds
  • Unlimited check withdrawals

Premium Money Market Account Rates for Ambassadors (learn more about Membership Rewards)

Money Market Account Rates
(learn more about MMAs)

Account Balance Dividend Rate Annual Percentage Yield
$50-$2,499.99 0.00% 0.00%
$2,500 and over 1.00% 1.00%
Account Balance Dividend Rate Annual Percentage Yield
$50-$2,499.99 0.00% 0.00%
$2,500 and over 0.75% 0.75%

See Rates

Earn more with
Membership Rewards


No Hidden Fees

We don’t believe you should have to pay extra just to use basic banking services. We have a savings account that fits your lifestyle without any hidden fees, allowing you to do more and bank less.

Money Market Account (less than $2,500) $10/month
Return Deposit Item $20 per item
Inactivity/Dormant Fee
(12 consecutive months of inactivity)
$5 waived if minimum daily balance
in account is $2,500 or more

Many of our fees are discounted or waived with Membership Rewards.
See Fee Schedule

Membership Rewards

As a true not-for-profit financial cooperative, the more our member-owners use the services of their credit union, the stronger we become—and the more low cost services we can provide. That’s the basis of our Membership Rewards program—the more services you use, the more benefits you’ll receive! Whether you are a borrower, saver or both, you will receive extra benefits when you take advantage of the many great products and services at Stanford FCU. Move all of your financial services to Stanford FCU and easily reach the highest level of Membership Rewards. It’s easy to switch and we can help!

You’ll enjoy exclusive benefits like bonus deposit yields and loan rate discounts, unlimited surcharge-FREE ATMs worldwide and more based on your Membership Rewards level—so why stand for anything less? Make the most out of your banking experience with Membership Rewards.

Partner Ambassador
FREE Access to ATMs Worldwide Surcharge reimbursements for ATMS outside our ATM networks* Yes, 3 per month Yes, unlimited*
FREE access 30,000 CO-OP ATMs and 6,000 CO-OP Shared Branches Yes Yes
Certificate Bonus Rate Yes Yes
Money Market Account Bonus Rate No Yes
Premier Checking Bonus Rate No Yes
Discount on Auto Loan Rate 0.50% APR Discount 1.00% APR Discount
Stanford FCU Mortgage Fees Waived** No Yes
Fee Refunds:
Below Minimum Balance Fees 50% 100%
Stop Payment Fee 50% 100%
Outgoing Wire Fees 50% 100%
Select Service Charges 50% 100%

Learn more about
Membership Rewards

* Maximum ATM surcharge reimbursement is $5 per ATM transaction. ** Third-party fees still apply.


A monthly service fee will be charged to the MMA if the balance falls below $2,500. Stanford FCU does not charge foreign transaction fees, but other financial institutions or merchants may. All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account.
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